After using the ATM, the money left on your card can be stolen. And here is how:
1. Through skimming
There is that hole you insert your card to and it gets read, some
criminals use a fake device attached to the ATM. It seems you are
inserting the card in the bank machine, but actually you put it into the
thieves’ hands. They can read the card, clone it and withdraw all the
money from it to their account. Or, they can use some pads on the
numbers, where you dial your code. Then they steal your card and have
the PIN get all the money or spend it. Some smart criminals set small
cameras to get your PIN.
What to do:
First carefully check the ATM. Does it look normal? Are there any extra
pads on the numbers for dialing? Does the entrance for the card look
usual? And watch for the hidden cameras. You may use the other hand to
cover up the pad while entering the numbers.
2. Watching over your shoulder
That’s easy, especially when you have a line of people waiting at the machine. Still, what you do there requires privacy.
What to do:
If someone comes up too close, just turn around and ask them to move
back. There is nothing rude about it. And ensure to stand in such a way
that you would close the access to the dialing pad. Do not look up your
card balance on the screen. This way others can see how much money you
got and tried to steal your card.
3. A stuck card
They can put a special thing into the card opening of the ATM. You
insert the card and it “gets swallowed” by the machine. But in reality,
the scammers wait for you to go away and leave the card there. Then they
take it out and use it.
What to do:
Do not walk away from the ATM until you get your card back or call the
bank at once and block your card. Make it unusable for the fraudsters.
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