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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.Most of the time, the attackers will also place a hidden camera somewhere in the vicinity with a view of the number pad in order to record personal identification numbers, or PINs.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.When you slide your card in, the shimmer reads the data from the chip on your card, much the same way a skimmer reads the data on your card's magstripe. For one, the integrated security that comes with EMV means that attackers can only get the same information they would from a skimmer.On his blog, security researcher Brian Krebs explains that "data collected by shimmers cannot be used to fabricate a chip-based card, but it could be used to clone a magnetic stripe card.If there are any obvious differences, don't use either one, and report the suspicious tampering to your bank.



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 same is true for credit card readers at the checkout line.If you're at the bank, it's a good idea to quickly take a look at the ATM next to yours and compare them both.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.

Below the slot where you insert your card are raised arrows embedded in the machine's plastic casing, to give users a hint about where their cards go.



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