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The skimmer is becoming more and more widespread, and most of us will,
sooner or later, come into contact with one. If you don’t have your wits
about you, it could cost you a bunch of cash.
A skimmer is usually composed of two
sections. The first attaches to the card slot, usually covering it
completely. The second is a camera, which can be very close to the card
slot or some distance away, at the top of the ATM. The card reader records
the electronic data from your ATM card, which the thief can use to make an
exact copy of it. The camera is there to record your PIN.
Here are some tips to avoid ATM
Skimming happening to you:
Trust your instincts: If anything looks out of place on an ATM, don’t use it. If you see a
wire poking out, or the plastic on the card reader doesn’t quite match,
or there appears to be some unusual wear and tear around the card slot,
walk away.
Guard your PIN carefully: As most skimmers require two pieces of information from you, the PIN is
something you can at least stop them from getting. You may seem a little
paranoid to anyone waiting in line behind you, but who cares? Just cover
your actions by cupping one hand over the numbers as your other hand
enters them. It’s rudimentary but it works.
Take advantage of the debit card “cash back” feature: A grocery or convenience store will give you cash back if you pay for your
purchase with a debit card. Simply hit the amount of cash you need. It’s
free, and it’s safer.
Become a creature of habit and use the same ATM each time: This won’t protect you from encountering a skimmer, but you’re much
more likely to notice something fishy if you are familiar with the
machine.
Look for ATMs with video surveillance: These machines have extra security and this additional level of protection
deters thieves from installing the skimming devices.
Finally, if you do suspect something,
let the local branch, gas station, or store know: It may be a false alarm, but you could prevent someone being ripped off
who isn’t as vigilant as you are.
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