Card skimming is a prevalent financial crime that has affected millions of people worldwide. It involves criminals installing hidden devices on ATMs, gas pumps, and point-of-sale terminals to steal card details and PINs. These stolen details are then used to make unauthorized purchases or create counterfeit cards.

Despite banks and financial institutions implementing security measures, 카드깡 remains a significant threat. Real-life cases of card skimming highlight the importance of vigilance, awareness, and proactive security measures. This article explores notable incidents, their impact on victims, and key lessons to help protect your finances from fraud.

Case 1: The Gas Station Scam in Texas

Incident Overview

In 2022, multiple drivers in Texas reported unauthorized transactions after using their debit cards at a local gas station. Investigators discovered that criminals had installed card skimming devices inside fuel pump payment terminals. These devices captured card details and transmitted them wirelessly to fraudsters.

Impact on Victims

• Victims noticed small test transactions on their bank statements before larger unauthorized withdrawals occurred.
• Some individuals lost hundreds of dollars before realizing they had been skimmed.
• Banks had to issue refunds and reissue new cards, causing inconvenience and delays.

Lessons Learned

✅ Avoid using debit cards at gas pumps: Credit cards offer better fraud protection, and funds are not immediately deducted from your account.

✅ Use cash or mobile payments: Apple Pay and Google Pay offer safer alternatives to physical card transactions.

✅ Inspect card readers: Before inserting your card, check for any unusual attachments or loose parts.

Case 2: ATM Skimming in New York City

Incident Overview

In a high-profile case, a group of criminals installed skimmers on ATMs across multiple locations in New York City. The skimmers, paired with hidden cameras, recorded users’ card details and PINs. The criminals then created counterfeit cards and withdrew large sums of money from victims’ accounts.

Impact on Victims

• Hundreds of people reported unauthorized withdrawals.
• Some individuals’ entire paychecks were stolen, causing financial hardship.
• Victims had to go through a lengthy dispute process with their banks to recover lost funds.