Credit Card Skimmers: Tips to Spot and Avoid Them

5 Min Read | Published: May 29, 2024

A person using his card at a gas pump

This article contains general information and is not intended to provide information that is specific to American Express products and services. Similar products and services offered by different companies will have different features and you should always read about product details before acquiring any financial product.

Discover how to identify and avoid credit card skimmers to help protect yourself from fraud. See what you can do if your card has been skimmed.

At-A-Glance

  • Credit card skimmers are devices that criminals use to steal credit and debit card information.
  • While credit card skimmers may be difficult to spot, knowing their telltale signs can help you avoid using one.
  • It’s important to be aware of where you use your card. If you notice anything suspicious at a point-of-sale system, gas pump, or elsewhere, it’s advisable to avoid using it.

Credit card skimmers are devices that allow thieves to steal card data and use it for fraudulent activities. In this article, we’ll discuss the dangers of credit card skimmers, provide tips for identifying and avoiding them, and offer strategies for protecting your card information.

What Is a Credit Card Skimmer?

A credit card skimmer is a device that may be illegally installed on point-of-sale (POS) systems, fuel pumps, and ATMS (automated teller machines). When a customer swipes or inserts their credit or debit card, the reader may “skim” or capture their confidential card information.

 

Sometimes placed at gas stations, grocery stores, convenience stores, and ATMs, a credit card skimmer can allow a thief to make unauthorized online purchases, withdraw cash from an ATM, create a counterfeit card, or even sell the card data to someone willing to buy it.1

Tips to Spot Credit Card Skimmers

Credit card skimmers are designed to be hidden, so you might not notice one at first. However, here are some steps you’ll want to take before you swipe your debit or credit card.2

  • Inspect the Reader
    Take a close look at the card reader. If you notice any piece that seems out of alignment, a skimmer may be installed.
  • Feel the Reader
    It’s also a good idea to feel around the card reader. If it’s easy to wiggle and seems like it’s loose in some areas, a skimmer might be present.
  • Check the Security Seal
    Some gas pumps use security seals over the lockable door where the credit card slot is. If this seal is broken, a skimmer may be installed.
  • Compare With Other Card Readers
    Compare the card reader with other readers around you. If you believe something seems off, you should go elsewhere to pay.

Protect Yourself Against Card Skimmers

Here are some ways you can help to protect yourself from credit card skimmers:3

  • Be Careful With Your Personal Identification Number (PIN)
    If possible, don’t use your PIN when you pay with a debit card. In the event a PIN is required, remain aware of your surroundings and cover your hand while entering them as there may be hidden cameras around as well.
  • Pay Inside the Gas Station
    While it may be more convenient to swipe your card outside while you’re at the pump filling your vehicle up with gas, going inside to pay can help you to bypass potential skimmers.
  • Set Up Alerts
    Most card issuers will allow you to set up alerts if any purchases seem suspicious. These alerts can help you monitor potentially fraudulent activities and ensure that nobody else is your card without your knowledge.
  • Be Selective With ATMs
    When using your debit card at an ATM (or taking out a cash advance with a credit card), opt to use official banks or credit union ATMs, rather than ATMs located in convenience stores or elsewhere.
card with star

Did you know?

American Express offers fraud protection measures to help protect Card Members from credit card fraud.

What to Do If Your Card Gets Skimmed

If you suspect your credit or debit card has been skimmed, contact your financial institution and report the incident to them as soon as possible. Then, cancel your credit card. Keep in mind that your liability is limited in the case of fraudulent activity, but this may depend on how quickly you report the fraud or theft.4

 

You may also want to report the issue to the Federal Trade Commission (FTC) to help protect others from being scammed.

card with star

Did you know?

Credit card skimming results in more than $1 billion in losses per year for both financial institutions and consumers, according to the Federal Bureau of Investigation (FBI).5

Frequently Asked Questions

The Takeaway

Credit card skimmers are devices that thieves use to steal debit and credit card information. They may be installed at ATMs, point-of-sale systems, gas pumps, and other places where you might use a card. Fortunately, there are some ways that you can spot credit card skimmers, which could help to reduce your risk of having your card information stolen.


Headshot of Anna Baluch

Anna Baluch is a personal finance writer from Cleveland, OH. She enjoys helping people from all walks of life make smart financial decisions. Her work can be seen on Credit Karma, Forbes, LendingTree, Insurify, and many other publications. Connect with Anna on LinkedIn.
 
All Credit Intel content is written by freelance authors and commissioned and paid for by American Express.

Related Articles

10 Signs Your Identity May Have Been Stolen

Identity theft is fairly common, but it may take time to spot it. Here are 10 warning signs of identity theft and what to do if your identity is stolen.

10 Things You Should Know About Identity Theft

Identity theft may be more common than you think. Here are 10 important things to know about identity theft, including how to prevent it and what to do if it happens.

How to Prevent Identity Theft Online – and Off

Identity theft can be a costly hassle that affects millions of Americans. Here are 7 common identity theft techniques and related tips to help protect you from each.

The material made available for you on this website, Credit Intel, is for informational purposes only and intended for U.S. residents and is not intended to provide legal, tax or financial advice. If you have questions, please consult your own professional legal, tax and financial advisors.