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By: Bryson Smith

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Website #3:  Credit Card Fraud - The Royal Canadian Mounted Police

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Website #3:  Credit Card Fraud - The Royal Canadian Mounted Police

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This website was also created by a part of the government, the RCMP. It is especially useful and informative because it provides steps for what to do if you believe your credit is being used fraudulently. Also, it provides statistics on credit fraud. These statistics show the change in trends for types of credit fraud, and explain why these trends change over time. I learned what steps I should take if i ever found myself in this situation.

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Credit Card Fraud - Royal Canadian Mounted Police

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Credit card fraud can happen several ways. Your card could be lost or stolen and used to purchase goods and services. A criminal could obtain your card data and use this information to manufacture a counterfeit card, or the data could be used to make telephone or Internet purchases (also referred to as "card not present" fraud) .

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This brief video, was created by the RCMP and shows how real identity theft is. It briefly explains how identity can be used to commit credit fraud. It speaks upon how it can be used to obtain new credit cards in your name which could potentially ruin your credit score, allowing them to go on elaborate shopping sprees or take out loans under your name. The main thing I took away is how important your identity is, a simple mistake can be very costly.

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Identity fraud is the actual deceptive use of the identity information of another person (living or dead) in connection with various frauds (including for example personating another person and the misuse of debit card or credit card data).

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This final Image focuses on the cost of credit fraud. It breaks up all fraud into categories such, as total account takeovers, creation of fake cards based off of yours, as well as direct theft of a credit card. It shows how this stack up nationwide with over $366 million worth of credit fraud in a year.

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Website #1: Debit card Fraud - Government of Canada 

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Website #1: Debit card Fraud - Government of Canada 

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This website created by the government of Canada explains and elaborates upon how debit fraud occurs. It explains different security measures that can be taken to prevent it from ever happening. These security measures include: using a chip card, placing a limit on the card and keeping your pin secret. I found that placing a limit on your card was helpful and great tip people should use.

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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:

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Website #2:  Credit Card Fraud - Bankers Association of Canada

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Website #2:  Credit Card Fraud - Bankers Association of Canada

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This site was created by the bankers association of Canada. It is useful because it clearly explains what financial institutions and the government are doing to prevent credit fraud, such as automatic systems which monitor for unusual transaction activity. It explains how many credit card providers have zero liability policies, so that if it is stolen your are not liable for any transaction that occur during that period. The main thing I learned is that actions are being taken and systems are put in place to stop credit card fraud.

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Learn how to protect yourself from credit card fraud

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Examples of credit card fraud and tips to avoid becoming a victim.

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Video #2: Payment Card Fraud - The Bank of Canada 

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Video #2: Payment Card Fraud - The Bank of Canada 

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This video is unique in that it shows good business practices that help prevent debit or credit card fraud unlike others which just provide information for the consumer. It goes into detail explaining what can be done for both digital and physical stores, like checking to see if one location is using multiple cards, comparing card signatures to signatures on id's or being mindful of a customers purchasing habits. It explains how a skimming machine might be used a a store without the owners knowing. I took away a lot of information from this video including digital and physical store fraud.

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Youve probably heard of debit and credit card fraud. But have you heard how to beat it? Watch this video by the Bank of Canada and its partners to see how you can protect your credit and debit cards. Be sure to check out more videos on our channel.

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This image shows the 5 most common ways in which your credit or debit information is stolen on an ATM machine. These 5 things are extremely useful to keep in mind because ATM Fraud is one of the most prevalent forms of credit/debit fraud, due to ATM's being found on nearly every street corner with little supervision in the immediate area. I found out about false fronts of ATM's and how to identify them.

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Image #1: How to Avoid Credit & Debit Card Fraud - the Canadian Banker's Association

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Image #1: How to Avoid Credit & Debit Card Fraud - the Canadian Banker's Association

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The Image below is a clear and concise graphic which explains in simple terms how we can all avoid fraud in six easy steps. It briefly explains why even if your credit or debit are stolen, it is not the end of the world.

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Video #1: Debit Card Fraud - The Bank of Canada

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Video #1: Debit Card Fraud - The Bank of Canada

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This video made by the Bank of Canada is a treasure of information and is incredibly useful. This video recreation of how credit card fraud occurs in real life. It shows and gives examples of how skimmers, accomplices and cameras can all be used to commit fraud. It also provides helpful tips to prevent it from happening like: not letting your card leave your sight, come up with a unique pin code, or avoid swiping when you can use the chip. It also explains what businesses can do to help prevent fraud like hiring reliable people or looking over your payment terminals for anything suspicious.

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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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Hello and welcome to my wall. Here I will go over and explain credit/debit fraud in Canada, what it is, how it happens and how to prevent it from affecting you.