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I chose this image to prove how easy it is to be a victim of debt or credit fraud through skimming at an ATM. In this photo it looks like a normal ATM and you would never think that your information is being recorded.

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Website #4 How to Prevent Credit Card Fraud

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Website #4 How to Prevent Credit Card Fraud

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This website provides you with a bunch of tips that will prevent credit card fraud. Fortunately, you can try to avoid credit card fraud by keeping your credit card information extra safe. Always be aware for scammers who may try to trick you into giving up your credit card details. Don't toss your credit card billing statements into the trash they typically have your full credit card number printed on time. Shred them to keep people from getting their hands on your credit card number. Do the same with old credit cards that have expired or been canceled. I chose this website because it has a lot of helpful tips that I haven’t seen on the other websites. Some of the tips are things you could easily forget about and then be in some trouble.

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One of the simplest ways to avoid credit card fraud is by keeping your credit cards safe from thieves. Place your credit cards in a purse or wallet close to your body where it can't easily be snatched away.

If you're shopping in a high traffic area, carry a smaller purse because it's harder to steal or sneak into. For both men and women, carry only the one or two credit and debit cards you'll be using that day. Leave all your other credit cards at home.

Thieves can take pictures of your credit card with a camera or cell phone, so don't leave your credit card exposed any longer than necessary.

After you make a purchase put your credit card away immediately. Confirm you have your credit card back in your possession before you leave the store or restaurant.

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9 Ways to Keep Credit Card Fraud From Happening to You

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One of the simplest ways to avoid credit card fraud is by keeping your credit cards safe from thieves. Place your credit cards in a purse or wallet close to your body where it can't easily be snatched away. If you're shopping in a high traffic area, carry a smaller purse because it's harder to steal or sneak into.

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.This video tells you how ATM skimming works. When a credit or debit card swiped through a skimmer the device captures and stores all the details stored in the card's magnetic stripe. Credit card skimmers are often placed over the card swipe mechanism on ATM's,but the skimmers can be placed over almost any type of credit card reader. Thieves will also make pin sized holes to add a camera so they can see you enter your pin. I chose this video because I never knew how skimming worked and this video taught me a lot about how its done and the equipment that is used. Something I found interesting was More recent black market gadgets can transmit card information and pins wirelessly which makes it really easy to get away with this.

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This video summarizes how many Canadians are effected by debit and credit fraud, different ways of committing credit or debit fraud and tips for protecting yourself. 15  million Canadians are targeted by fraud each year, in 2009 there was $600 million dollar damage due to fraudulent activity.
I chose this video because it shows credit fraud through an email that claims you've won a free vacation. I feel like this tactic is used a lot and can hurt a lot of people who aren't educated on credit and debit fraud especially younger people.

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Credit card and debit card fraud is an unfortunate reality that can range from an inconvenience to a harmful and costly incident. In fact, every year, some 15 million Canadians are targeted by fraud.

In 2009, card holders and card issuers lost more than $600 million to illegal schemes. Anyone can become a target: your neighbours, family members, co-workers and friends.

Here are some ways to prevent this from happening to you.
Segment 2: Problem identification
Credit card and debit card fraud happens when someone steals your card, your card information or your personal identification number (or PIN) and uses it without your permission to make purchases or to withdraw money from an automated banking machine.
Segment 3: Saving strategy
How can someone get your credit or debit card information from you? Well thieves can work in many different ways:

(voiceover)

By stealing your PIN:

Jenny lost $800 when a "friend" watched her enter her PIN and then stole her debit card from her purse.

By using card skimmers to copy information from your card:

James' bank account was cleaned out after a phony card reader he used copied his banking information.

By stealing your mail and your identity:

Marcia had her bank statement stolen from her mailbox, and soon after, money was removed from her account.

And email scams that get you to send your personal financial information:

The email Sam received claimed he had won a vacation . The "vacation" turned out to be a fake and with his personal financial information, the "company" maxed out his credit card.

These are only a few ways scammers try to get your card data.
Segment 4: How to protect yourself
Even though card fraud is common, there are also effective ways to prevent it from happening to you. Here are some helpful tips:

(voiceover list or other visuals)

Shield the keypad when you enter your PIN

If you notice something suspicious about a card device at a store or ATM, report it to the company that issued your card.

If you receive a replacement card, destroy the old one as soon as you activate the new one.

If you don't receive a replacement card, before your current card expires, contact your issuer.

Don't give out credit information over the phone unless you've contacted the company directly and know it's legitimate.

Don't give out credit card information by email.

Check your bank statements often, and contact your card issuer if you see any mistakes or suspicious charges.

Keep your mail, bank statements and personal information in a safe place and manage your digital records carefully.

Segment 5: If you think you are a victim
(voiceover)

If you think you are a victim of credit card fraud, contact your credit card issuer and your local police. You should also contact the Canadian Anti-Fraud Centre.
Conclusion
Remember to always use your debit and credit cards carefully and keep your information safe. By following these easy tips, you can protect yourself from becoming a victim of credit card or debit card fraud.

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12.1.7 Video: Debit and credit card fraud

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Credit card and debit card fraud is an unfortunate reality that can range from an inconvenience to a harmful and costly incident. In fact, every year, some 15 million Canadians are targeted by fraud. In 2009, card holders and card issuers lost more than $600 million to illegal schemes.

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This website gives you an overview on how to protect yourself from debit card fraud. Debit cards are very safe there 99 per cent of debit transactions occurring without incident each year in Canada. However, you still need to know how to protect yourself. The bank is working to protect you as well. The banks have a team of experts who can detect fraudulent activity and can usually reimburse and notify you before you even notice yourself. I chose this website because it has so much helpful information. It gives you a brief explanation on what debit fraud is, how the banks protect you from being a victim and the prevalence of debit card fraud. Something I found interesting is debit card fraud losses have dropped 92 percent.

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Using debit cards has become a way of life for many Canadians. In fact, Canadians are among the biggest per capita users of debit cards in the world. Whether you're withdrawing cash from an ABM, using your card to pay for this week's groceries, or punching in your Personal Identification Number (PIN) for a night at the movies, your debit card is a simple way to access your money. Using your debit card is a convenient way to get money from 65,000 banking and cash machines and for making purchases at more than 500,000 retailers across Canada.

It is also very safe, with more than 99 per cent of debit transactions occurring without incident each year in Canada. And while your bank is working to protect you from fraud, there are simple steps that you can take to protect yourself.

What is debit card fraud?

Debit card fraud can happen when a thief "skims" or swipes the information off the magnetic stripe on the back of your card to create a duplicate copy of your card. They also have to capture your PIN to access your account and withdraw money or make purchases. Debit card fraud can also happen if your card is lost or stolen and you haven't taken steps to protect your PIN.

Your bank is working to protect you

Banks have teams of fraud experts and highly sophisticated fraud detection and prevention systems to protect customers from debit card fraud. Very often, the banks' security systems can detect fraud and reimburse and notify a client before the client realizes the fraud has occurred.

But banks understand that being the victim of debit card fraud can be upsetting for a customer: after all, their money is missing. If this does happen, banks will immediately look into the matter and get the money back to the customer as quickly as possible, which can usually happen within a few days or even before the customer knows it's gone.

When using your debit card, you are protected by the Canadian Code of Practice for Consumer Debit Card Services and Interac policies which guarantee that, if you are a victim of debit card fraud, you will get your money back from your financial institution.

Canada has moved to more secure technology

Security measures are constantly being enhanced and technology is being upgraded to prevent fraud. Banks, the Interac Association and the major credit card companies have moved to chip technology for debit and credit cards. In addition to the magnetic stripe on the back, these cards are embedded with a microchip. These cards use a technology called "cryptography" that allows the card and the store terminal to communicate with each other during the transaction and carry out security checks to ensure the card is valid.

The microchip is state-of-the-art in payment card technology and is extremely difficult to duplicate. The transition to chip-based technology rolled out successfully and all debit cards and ABMs and the vast majority of store terminals at retailers are now capable of chip transactions.

To learn more about chip technology, visit the payment network websites at:

How you can protect yourself

Your bank has sophisticated security systems in place, but there are still important steps you can take to further protect yourself:

Always protect your PIN: use your shoulder or your hand to shield your PIN when entering it into the keypad.

Always insert your card first instead of swiping when making a purchase. This will protect you from having your card skimmed and, if the store terminal isn't chip capable, it will prompt you to swipe. And always remember to take your card when the transaction is done.

Never lend your card or disclose your PIN to anyone else.

Memorize your PIN; don't write it down.

Make sure your PIN cannot be easily detected if your card is lost or stolen - don't use your birth date or address or part of your telephone number.

Regularly review your transaction history online or on your monthly bank statements and report anything unusual to your financial institution immediately.

Change your PIN periodically.

What to do if you are a victim

If you are a victim of debit card fraud, you should contact your bank immediately and they will take the appropriate steps to protect you. For example, they may block your card to prevent losses, ask you to change your PIN or cancel your card and issue you a new one. Depending on the circumstances, the bank may also ask you to sign an affidavit if there are fraudulent transactions in your account. If there is money missing from your account, they will work to get it back as quickly as possible, usually within two or three days or sometimes before you even know that it's gone.

The prevalence of debit card fraud

Debit card fraud is a crime that banks take very seriously, and their efforts to fight this crime have been paying off. Debit card fraud losses have dropped 97 per cent from a high of $142 million in 2009 to $4.4 million in 2018.

Banks continue to adapt new technologies and new practices to fight this fraud, work with police and protect their customers.

Interac has more information about security on its website.

Did you know?

The CBA offers a free fraud prevention seminar for seniors as part of its Your Money Seniors financial literacy seminar program.

Find out more and request a seminar for your seniors' group at www.yourmoney.cba.ca/seniors.

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How to protect yourself from debit card fraud

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Using debit cards has become a way of life for many Canadians. In fact, Canadians are among the biggest per capita users of debit cards in the world. Whether you're withdrawing cash from an ABM, using your card to pay for this week's groceries, or punching in your Personal Identification Number (PIN) for a night at the movies, your debit card is a simple way to access your money.

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I chose this photo because I feel like credit card fraud is something that happens online. There are so many scams online in your advertisements and emails. I feel like a lot of people don't think twice and end up falling for a scam online.

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This video summarizes how debit card fraud happens and what consumers can do t prevent it. Canadians are among the highest users of debit cards in the world so we need to protect ourselves. A theft doesn't actually need your debit card to steal from you, they just need enough information to duplicate your card. To get the information some people use a skimming device to capture information from your card.
I chose this video because it contains a lot of good information and with examples. It also has Canadian statistics that I wasn't aware of such as Canadians make over 4 billion interact debit transactions each year.

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Canadians are among the highest users of debit cards in the world. While over 99 per cent of debit transactions each year are made without incident, we still need to protect ourselves. Debit card fraud costs millions of dollars every year. It's a threat that can hit anywhere.

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Website #2 Who is responsible for stolen credit card charges? 

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Website #2 Who is responsible for stolen credit card charges? 

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This website gives you a summary of who is responsible for charges on a stolen credit card. The fair credit billing act is the federal law that defines your rights when your credit card is stolen. Under the act, you won't be held liable for any charges if you report the theft before any fraudulent charges are made on your account. You could
be liable for up to $50 if the credit card is used before you report the
theft, so you want to report it stolen as soon as you notice it's missing.
I chose this website because I think it's important to know
who would be responsible for charges on a stolen card. You don't want to have to be responsible to pay back large amounts of unauthorized charges.

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Having a credit card stolen is one of the most dreaded of credit card events. But, it's not a time to panic. It's a time for swift action. It's best to report a stolen credit card to your credit issuer as quickly as possible. The sooner you report your stolen credit card, the less likely it is that you'll be responsible for any fraudulent charges.

Your Responsibility for Charges on a Stolen Credit Card

The Fair Credit Billing Act (FCBA) is the federal law that defines your rights when your credit card is stolen. Under the FCBA, you won't be held liable for any charges if you report the theft before any fraudulent charges are made on your account. However, you could be liable for up to $50 if the thief uses your stolen credit card before you report the theft.﻿﻿ This is why it's important to report your stolen credit as soon as you notice it's missing.

If the fraudulent charges are made using only your credit card number and not your physical credit card, you won't be liable for any of the fraudulent charges. The credit card issuer may ask for the security code on the back of your credit card to verify the credit card is still in your possession. Be careful that you're not falling for a phishing scam where a scammer tricks you into giving out your security code by saying that fraud has been detected on your account. Only give out sensitive information on calls you initiate to a number that you've confirmed is your credit card issuer.

If your account number has been compromised, your credit card issuer can send a new card with an updated account number or security code to prevent future unauthorized charges.

Keep in mind the rules for stolen debit card charges are different. If you report the missing debit card within two days, your maximum liability will be $50. However, after two days, you could be liable for up to $500. And if 60 days go by before you report the card missing, you could be on the hook for everything.﻿﻿

How to Detect Fraudulent Charges

Technology makes it easier than ever to detect stolen credit card charges. Check your account frequently, over the phone or online to make sure no unauthorized charges have been made. Check your account even if you don't have a stolen credit card since thieves can make charges with just your credit card number.

Reporting a Stolen Credit Card

If you notice unauthorized charges made on your stolen credit card or stolen credit card number, contact your creditor quickly. Let them know whether your credit card has been stolen and provide the details of the fraudulent charges.

Follow up by sending a letter including the date the credit card was stolen, the date you reported the stolen credit card, and any unauthorized charges that have been made on your account. Make sure you send this letter via certified mail with return receipt requested to the creditor's address for correspondence. This address is often different from the payment processing address.

Keep a copy of your credit card number and the phone number for its customer service department. Store it in a safe place where you can access it quickly to contact your creditor if your credit card is stolen.

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Don't Get Stuck With Stolen Credit Card Charges

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Having a credit card stolen is one of the most dreaded of credit card events. But, it's not a time to panic. It's a time for swift action. It's best to report a stolen credit card to your credit issuer as quickly as possible.

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Video #1 How does Credit Card Fraud Protection work?

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Video #1 How does Credit Card Fraud Protection work?

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This video summarizes how the banks and credit card companies notice fraudulent activity. This video explains how major payment processors collect large amount of data from their card holders, getting to now their spending habits. I wasn't aware of this but it is smart. As you tap and swipe your card the credit company creates a profile it has your location, how much you typically spend and your habits.
I chose this video because it had a lot of information I didn't know about. I never knew that if someone drained a bunch of funds from your account the bank generally has to give you all the money back if you report fast enough.

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How Does Credit Card Fraud Protection Work?

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While you are exploring my wall you will find websites, photos and images filled with information about credit and debit fraud. Debit Card Fraud occurs when the information on your debit or credit card is stolen and funds from your account are used with out your authorization. Using debt and credit cards has became the way of life for many Canadians and we need to know how to protect ourselves.
Website #1 Debit Card Fraud
This website communicates how debit card fraud happens, how you can protect yourself from it and what steps to take if you’re a victim of debit card fraud. This website summarizes how someone can steal your debit card information and what to watch out for. It also has some good tips for setting up a good and safe pin for your debit card.
I chose this website because it taught me a lot about what I
need to be aware of. I didn't know that there were devices that copies and records the information from my card. I defiantly need to be more aware.

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How debit card fraud happens

Debit card fraud happens when someone steals or uses without your permission your debit card or debit card information. Your information or your card is used to:

make a purchase in a store

make a purchase or transaction online

withdraw cash from an automated teller machine (ATM)

withdraw money with an in-store purchase

A person might steal your debit card information by:

swiping your debit card through a device that copies the information stored on the magnetic stripe on the back of your card

looking at your personal identification number (PIN) over your shoulder when you're using your debit card

sending you a fraudulent email asking for your banking information (also called phishing)

using a device that jams your card in an ATM. A helpful stranger then suggests that you try to put in your PIN a few times. When the card remains jammed, this person later removes your card and has your PIN

Protect yourself from debit card fraud

Debit cards issued by financial institutions have a computer chip that makes transactions more secure. The computer chip works with your PIN to make sure you give permission for each transaction. This helps protect you against fraud if someone steals your card.

There are also certain actions you may take to protect yourself from debit card fraud. Follow these tips to protect your debit card and your personal information.

Keep your PIN secret

Choose a PIN that is hard to guess. For example, avoid using your birthday, Social Insurance Number, address or telephone number as your PIN.

Be sure to keep your PIN secret:

never share your PIN with another person. Do not even share it with a family member or partner

memorize your PIN rather than writing it down. If you write it down, keep it in a safe place, away from your card or wallet

change your PIN often

Contact your financial institution and change your PIN immediately if you suspect someone knows it.

If you share your PIN with someone, you may be responsible for transactions you haven't made or approved.

Reduce your daily limit

A daily limit is the amount of money you may spend or withdraw from your account each day. It applies to both ATMs and in-store transactions.

Contact your financial institution if you think your limit is too high.

Protect your debit card and your debit card information

To better protect yourself from debit card fraud, you may also:

keep your debit card in a safe place

never lend your debit card

insert your card rather than swiping it during a purchase

hide the terminal or ATM keypad when you enter your PIN

keep your debit card in sight at all times when making a purchase

take your debit card and transaction receipt with you once you've finished a transaction

retrieve your card quickly after a transaction. Complete your transactions before answering anyone trying to get your attention

check your account statements often to make sure all transactions are correct

keep paper and electronic copies of your account statements and put them in a safe place

contact your financial institution right away if your card is lost, stolen or stuck in an ATM

If you're a victim of debit card fraud

If you're a victim of debit card fraud, take the following steps:

1. write down what happened and how you first noticed the fraud

2. contact your financial institution right away to tell them about the fraud

3. take note of whom you talked to and when you spoke to them

4. keep all documents that you think might be helpful when the police investigate the fraud

5. contact your local police service to file a complaint

6. if you believe a company (for example, your telephone company) has been hacked, contact it

Report the fraud to the Canadian Anti-Fraud Centre

The Canadian Anti-fraud Centre includes partners from the Royal Canadian Mounted Police, the Ontario Provincial Police and the Competition Bureau of Canada. It is the central repository for information about fraud.

Contact the Canadian Anti-Fraud Centre.

Related links

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debit card; fraud; personal finances; banking;

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Debit card fraud is when someone steals both your PIN and debit card or debit card information and uses it without your permission. Learn more: