Using your debit card has become second nature. Whether you’re swiping or inserting your card at checkout, or entering your details online, the process is quick and convenient. Many popular e-commerce sites even allow you to securely store your payment information to speed up future purchases.
But with convenience comes risk. Debit card fraud in the United States rose by more than 10% last year, and even careful consumers can become targets. Understanding the risks and taking a few proactive steps can go a long way toward protecting your money.
Watch Out for Skimmers
When shopping in person, one of the biggest threats is card skimming. Skimmers are small devices criminals attach to ATMs, gas station pumps, or payment terminals. These devices secretly collect and store your card information once it’s swiped.
Before using a machine, take a moment to inspect the card reader. If it looks loose, bulky, or unusual compared to others, it could be compromised. Try gently wiggling the reader—if it moves or detaches, it may be a skimmer. If you suspect tampering, alert the business immediately.
Tips for Safer Shopping
While it’s not possible to eliminate all risk, these smart habits can help you shop more safely online and in person:
1. Stick to trusted retailers.
When shopping online, choose well-known websites with strong reputations, such as Amazon, Walmart, Costco, or other major brands. Be cautious of unfamiliar sites, especially those with unusual domain names or addresses that don’t end in “.com.” These can sometimes be fronts for fraud.
2. Avoid saving your card in browsers.
While browsers often prompt you to save your card details for convenience, it’s safer not to. Instead, if you want faster checkout, use trusted platforms like Amazon or PayPal, where your information is stored within your account rather than through your browser’s autofill.
3. Stay alert at physical terminals.
Gas stations and ATMs are prime targets for skimmers. If something looks suspicious or doesn’t feel right, trust your instincts and use another machine. Always cover your hand when entering your PIN.
You may not be able to prevent every type of debit card fraud, but staying alert and practicing safe shopping habits can dramatically lower your risk. By sticking to trusted retailers, avoiding unnecessary card storage, and keeping a sharp eye on payment terminals, you can enjoy the convenience of debit card payments with greater peace of mind.