How do credit card scams work?

Credit card scams typically involve scammers using deceptive schemes to get access to a person’s card information so they can make unauthorized purchases or access their accounts.

How did a scammer get my credit card details?

Scammers may try to obtain your credit card details by using skimming devices, phishing attacks, or intercepting mail that contains your card or account information.

How did someone use my credit card without having it?

Someone may be able to spend on your credit card without physically having it by stealing your card details and using them to make purchases online or over the phone. This type of fraud is known as card-not-present (CNP) fraud, and often involves the fraudster stealing your details through methods like skimming, phishing, or keyloggers.

Are chip cards and contactless payments more secure?

Yes, chip cards and contactless payments are generally more secure than magnetic stripe cards. They use encryption and dynamic transaction codes, which makes it harder for scammers to clone.

9 credit card scams to watch out for in 2025

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