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Blog Fraud/Identity Theft

Look before you pump! Don’t run your card as debit at the gas station

Fraud/Identity Theft
Look before you pump! Don’t run your card as debit at the gas station

Gas-pump skimming is an old crime making a comeback, and your card may be at risk. Since skimmer devices are almost invisible, they can be difficult to spot. And Bluetooth technology lets the scammer remotely obtain the info it collects from as far as 100 yards away.

While EMV-enabled cards are more commonplace, gas stations have until this year to update their systems, making them vulnerable. Protect yourself against this hack by learning about card skimmers.

How it works

Hackers usually outfit the pump farthest from the convenience store with their skimmer. This way, they are out of the range of any security cameras at the shop’s entrance. The hacker places a skimming device on top of the pump’s card reader or inside the pump itself, and then leaves the area.

Choose your payment method wisely

Opt for using a credit card when you make a purchase at the pump. It is easier for Arsenal (and other financial institutions) to dispute fraudulent charges and get your money back If you don’t want to use your credit card, run your debit card as credit. All you’ll have to do extra is input your ZIP code instead of PIN, and you’ll receive the same protections as if you were using credit.

4 ways to spot a skimmer

  • Use your eyes. Do numbers on the PIN pad look newer or bigger than the rest of the machine? Does anything look like it doesn’t belong? Is the fuel pump’s seal broken?
  • Check the tape. Many gas stations place serial-numbered security tape across the dispenser to protect their pumps. If the tape has been broken, or there’s no tape on the dispenser at all, it’s likely been compromised.
  • Use your fingers. Feel the card reader before sliding your debit card into the slot. Do the keys feel raised? Is it difficult to insert your card?
  • Use your phone. There are several free skimming apps, like Skimmer Scanner, that can scan a card reader for a skimming device and alert you if one is found. You can also check your phone’s Bluetooth for any strange letters or numbers appearing under “other devices.”

General card safety

It’s always a good idea to practice general safety when using a card to pay at the pump. Choose the pump closest to the store and always cover the number pad with your hand when inputting your PIN. It’s also a good idea to periodically check your account statements for suspicious charges.