Skimming – what is it and how to protect yourself from it?

Recently, more and more people are victims of a crime we call skimming. This is a method of stealing payment card data. Contrary to appearances, it is a very easy way to defraud people. In this article, I will try to explain how this method works.

What is skimming? Definition of the term

Skimming is a type of crime that involves stealing information from credit or debit cards. This information is then used to extort credit or make another financial transaction. Skimming is a growing phenomenon because technology makes it easy to copy information from magnetic cards. Skimmers can use special devices to read information from cards and record them. The information is then used to extort credit or make another financial transaction.

Skimming is particularly dangerous because it can be carried out by people who do not own the cards. Therefore, to prevent skimming, it is important to be careful when using payment cards and avoid making transactions in places where there is a high risk of this type of crime.

How does skimming work?

Skimming involves a criminal using a special device to read data from a payment card. This can be, for example, a scanner that reads the card number and CVV code. The criminal then uses this data to extort money. He can do this, for example, by setting up a fake bank account and making a transfer to his account.

Skimming is very difficult to detect because criminals very often operate in such a way that the victim is unaware that he has been robbed. Therefore, if you have any suspicion that someone may be stealing from you in this way, it is essential to contact your bank or the police.

How to protect yourself from skimming?

Skimming is an increasingly common problem, as thieves use more sophisticated devices. To protect yourself from skimming, you need to be careful when using payment terminals.

Here are some tips on how to protect yourself from skimming:

  1. Always check your bank and credit card accounts to make sure there are no unauthorized transactions.
  2. Don’t use payment terminals in busy areas.
  3. Don’t use payment terminals in places where there is no security.
  4. Don’t give out your personal information or credit card number to anyone.
  5. Check payment terminals before making a transaction. If you see something suspicious, don’t use that terminal.
  6. Always report unauthorized transactions or suspicious activity to your bank or credit card company.
  7. Do not leave your credit or debit card in payment terminals.
  8. Do not use payment terminals if you are not sure they are secure.

Skimming – how much is the penalty for it?

Skimming is a crime that can be prosecuted under both the Criminal Code and the Data Protection Law. The penalty for performing skimming can be up to 5 years in prison.

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