Credit card skimming is when thieves use sophisticated technology to record your credit card details, in order to clone your card and run up charges and debts in your name.  It can be difficult to spot skimming scams, as thieves can often use very convincing methods such as attaching false card readers to ATM machines that you may not be able to spot, or using keyboard covers that capture your PIN numbers as you type it in to ATM or handheld card readers in shops, bars and restaurants.

There are ways you can help to reduce the risks of becoming a victim of skimming, and it is important to treat your credit card details as confidential, and not use your card to pay for anything unless you are sure the recipient is genuine, and is going to treat your information securely:

• Use ATM machines inside banks wherever possible, as these have better security and are less likely to have been tampered with.  Avoid ATMs that are in isolated places, and also stand alone versions (which also have the disadvantage of charging you for taking out cash) as these are more likely to have been tampered with.
• It can be difficult to spot fake card readers, as they can be very sophisticated, but look out for any obvious signs of tampering such as loose, ill fitting card slots on ATM machines or odd looking keypad covers, and if your card is retained by the machine for no reason at all (and you know you still have money in your account) then contact your provider immediately and get it cancelled, as this is another method thieves have of obtaining your credit cards.
• Cover the keypad as you enter your PIN number when paying for goods or taking our money, and make sure no one is stood close to you when you do this.  Thieves can often practice ‘shoulder skimming’ in order to try and memorise your PIN numbers and card details.