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The Riskiest Places to Use Your Credit Card

Posted by on Sep. 15, 2012 at 1:48 PM
  • 10 Replies

 

Even if you use the utmost caution, you can still be a victim of credit card fraud. Credit card companies and banks are more and more often putting the onus of catching phony or incorrect credit card charges on the consumer.

The most important thing is to check your billing statment, of course. And there are organizations like Creditcards.com that offer tips on how to keep your cards safe as well. Here, we take a look at 10 of the riskiest places you might use your card, according to Creditcards.com , and what you can do to avoid the dangers.

Non-bank-owned ATMs
Encryption at these ATMs is often not as good as at bank ATMs, meaning some locations are just not as safe. These ATMs also are more likely to be hacked. And in some cases, people have put up devices that look like ATMs but don't give out cash. Instead, they are just card-skimming devices aimed at stealing your credit card or debit card information.

Flea Markets
Flea market merchants are often transient and can be difficult to locate if there is a problem with charges. It's especially true for vendors who don't have online credit card terminals and instead make carbon copies of your credit card.

That doesn't mean those vendors are necessarily fraudulent, but it makes the transaction less secure. The credit card company might have trouble doing a charge back. If you're going to the flea market, take cash. It's also easier to negotiate that way.

Small Shops/Cafes in Foreign Countries

These smaller merchants have a significantly higher percentage of credit card fraud as reported by large banks and credit card companies. Many of these transactions end up being written off by the banks because the merchants simply can't be located. There's just a higher chance of fraud when you get outside of the mainstream, so when in doubt, use cash.

Non-Secure Online Checkout
General common sense. Any safe, reputable e-commerce site is going to have a secure checkout page, like the one shown at left. If that doesn't appear, it should be a red flag. You can almost be sure it's not legitimate, and even if it is, you're opening yourself to that transaction being seen by others.

Wi-Fi Hotspots and Public Computers


If you're going to be making online transactions over an unsecured wireless connection like in cafes, parks and other hot spots, data can be compromised or seen while in transit, even if you're on a secure page while you're checking out. The same goes for public computers like in libraries. It's not advisable to ever transmit personal data when you're in a public connection environment, especially on non-secure wireless.

by on Sep. 15, 2012 at 1:48 PM
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Replies (1-10):
kanake
by on Sep. 15, 2012 at 7:00 PM
ty.great info
Posted on CafeMom Mobile
kimsardo
by on Sep. 15, 2012 at 7:01 PM

The riskiest place I've used it is in the hood at night.

robertmommie
by Renee on Sep. 15, 2012 at 7:14 PM

good info

websorceress
by on Sep. 16, 2012 at 5:57 AM

Good advice......although I don't do flea markets (none around here) I never thought of that......

johnny4ever
by on Sep. 16, 2012 at 9:35 AM

Great Post

sarahjz
by Platinum Member on Sep. 17, 2012 at 3:31 PM


Quoting kimsardo:

The riskiest place I've used it is in the hood at night.

lol

sarahjz
by Platinum Member on Sep. 17, 2012 at 3:32 PM

Seems like every place is risky these days.  The best thing to do is keep good track of your balance so you know right away if it's been compromised.

kimsardo
by on Sep. 17, 2012 at 4:29 PM

 

Quoting sarahjz:


Quoting kimsardo:

The riskiest place I've used it is in the hood at night.

lol

 Haha, it wasn't the kind of answer the post was asking but it was what I had. ;)

kimsardo
by on Sep. 17, 2012 at 4:30 PM

 

Quoting sarahjz:

Seems like every place is risky these days.  The best thing to do is keep good track of your balance so you know right away if it's been compromised.

 That is true, People are stealing card number as you walk past them. Crazy!

Ladyisis
by on Sep. 21, 2012 at 10:32 AM

Great info and thanks for sharing.

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