habits to keep hackers from stealing your credit card details

5 Habits to Keep Hackers from Stealing Your Credit Card Details

While credit cards offer convenience as they can be used for online shopping and traveling abroad, they also come with a major drawback. These tiny plastic cards are prone to theft. In a matter of minutes, your credit card information can be stolen and used for fraudulent activity.

As a credit card owner, you must be responsible in keeping your card details safe and private at all times. Try practicing these habits to avoid being a victim of credit card fraud.

Avoid sharing photos of your credit card via social media

Posting photos of your credit card on social media is a big no-no! We’re emphasizing it with an exclamation point because there are people who do this (unfortunately, some people Instagram their new credit card). We’re happy for you that you’ve finally gotten your own credit card, but there’s no need for others to see it. 

Even if you cover the sensitive details of your credit card, hackers would know how to expose them. Go on and post your vacation photos from Tokyo but keep your credit cards hidden away from everyone else. 

Never use public WiFi for online banking

Do you check your bank account using public WiFi? Public networks are less secure so there’s a greater chance for crooks to steal your credit card details. These networks can capture your login information as well as your credit card number and your card verification value (CVV). The last thing you want is for someone to go online shopping using your credit card. 

Make sure that your smartphone or laptop is connected to a virtual private network (VPN) when doing transactions via online banking. Check the website’s URL and see if it has a tiny lock in the URL bar and it begins with “https.” This means that the connection is secure and that the website is using encryption to protect your personal information.

Do not give out your credit card information

Hackers can use fake numbers to call you and pretend they are calling on behalf of your card issuer so beware of giving out your credit card details to anyone. 

Other times, these bad guys send fake emails from your “card issuer” and ask you to update your information with a webform. If you think the email looks different from the usual newsletters you receive from your card issuer, then you can report it ASAP to prevent any damage. Refrain from clicking any link or giving out your credit card information if the email looks suspicious. Anyway, you can always call your card issuer in case you need to update your contact details. 

Be vigilant about third-party scanners

While paying for that blouse at the cashier, look closely at the credit card reader and see if there’s a skimmer attached to it. A skimmer is a tiny device that captures the magnetic field of the card and collects the data of everyone who swipes their card. Credit card skimming can happen anywhere even at your favorite restaurant, so it’s best to pay for your dinner in cash. 

If you need to check your credit card details via an ATM, go over the keypad and make sure it doesn’t have signs of tampering like loose parts. Yes, even ATMs aren’t safe from thieves. Cover the keypad with your hand when you enter your details in the ATM just to be sure that nothing or no one can record them. 

Keep your credit card safe in an RFID-blocking wallet

Did you know that somebody could steal your credit card information just by standing behind you? This is scary, but it does happen especially if you’re not aware of your surroundings. New credit cards come with radio-frequency identification (RFID) that lets you make payments by tapping the card to a scanner rather than swiping it.

Despite its convenience, RFID cards pose some serious danger as they can easily be scanned without authentication or verification. Don’t worry, RFID-blocking wallets exist, and you can get yourself one to keep your credit card safe from fraudsters. Search for the best RFID-blocking wallet online, but be prepared to pay a little more because, well, they are designed to secure your prized possession.

Are you in need of a new credit card to add into your RFID-blocking wallet? Compare credit cards via GoBear today to see which card perfectly fits your needs.