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The moment I started seriously worrying about credit card and debit card skimmers wasn't when my entire bank account was transferred to Turkey, or when I had to get three credit cards in two months because of fraudulent charges.It was when I learned that stealing a credit card number is as easy as plugging in a magnetic strip reader into a computer and opening a word processor.When you are pumping gas or grabbing some money for lunch out of the ATM, the last thing you want to worry about is your card information getting stolen.When the US banks finally caught up with the rest of the world and started issing chip cards, it was a major security boon for consumers.When you approach an ATM, check for some obvious signs of tampering at the top of the ATM, near the speakers, the side of the screen, the card reader itself, and the keyboard.If something looks different, such as a different color or material, graphics that aren't aligned correctly, or anything else that doesn't look right, don't use that ATM.
The camera may be in the card reader, mounted at the top of the ATM, or even just to the side inside a plastic case holding brochures.
The thief often has to come back to the compromised machine to pick up the file containing all the stolen data, but with that information in hand he can create cloned cards or just break into bank accounts to steal money.
Perhaps the scariest part is that skimmers don't prevent the ATM or credit card reader from functioning properly.
These are called skimmers, and if you're careful you can keep from being victimized by these insidious devices.
Skimmers are essentially malicious card readers attached to the real payment terminals so that they can harvest data from every person that swipes their cards.