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Credit/debit cards


Answer

Phishing is a cyber crime where criminals contact people by email, telephone or text message, pretending to be a legitimate organisation. They try to get people to provide personal information such as bank details and passwords, and often include links that once clicked, download a virus to your computer and steal personal information. The information is then used to access accounts and can result in identity theft and financial loss.

Be aware of suspicious messages and emails and do not click on links or attachments in them. Never respond to unsolicited messages that ask for your personal or financial details.

If you do receive a suspicious email, this can be reported to National Cyber Security Centre via their Suspicious Email Reporting Service (SERS) Any suspected frauds committed by email can be send to Action Fraud. See Q680 and Q749 for further information regarding fraud and see the links in Related Information to report any suspicious or fraudulent emails.


Answer

The first and most important step to take is to contact your bank/credit card company and advise them of the transactions.

The bank/credit card company will investigate the matter and where appropriate inform the police.

If your card has been lost or stolen then you need to report this to the police who will record the crime or loss.

 


Answer

The skimming and/or cloning of cards is when data from your card is taken from the magnetic strip of your card without your knowledge and placed onto a blank card. The card or data is then used without your knowledge or permission.

ATMS, petrol stations, shopping centre kiosks and terminals at shop tills may be targets due to being high traffic, busy areas. Usually a device is attached to the card reading machine that is inconspicuous, enabling data to be skimmed when a card is entered, accompanied by a hidden camera to read a PIN number.

Look before you insert your card and if the reader appears loose, damaged or bulky, do not use it. Check the keyboard for signs of tampering and cover your PIN whilst entering to prevent it from being captured by a camera.


Answer

You might be able to freeze your card using your mobile banking app, depending on your phone and who you bank with. 

It is very important that you report the matter to the bank as soon as possible, as your card needs to be cancelled so that it cannot be used. 

If you believe money has been stolen from your account, following the loss of your card, report this to your bank and you may be able to claim the money back, your bank will advise you.

Contact your local police force

Enter your town or postcode to see information from your local force

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