If you have ever had your credit card number copied and used without your knowledge, you were a victim of credit card skimming. By definition, credit card skimming is the theft of credit card information used in a otherwise legitimate transaction. More often than not, this type of theft is typically perpetrated by a dishonest employee working for an honest merchant.
The tools used to carry out this type of theft can be as simple as a pen and paper or as technological as a magnetic stripe reader. Anyone from a store clerk to members of organized crime will have access to at least one method of copying your credit card information, to include the security code found on the back of the card. Although you may not be aware that this theft is happening, literally right under your nose, steps can be taken to reduce the impact if you are victimized.
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