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Ages 10+ · Digital Life · Scams and fakes
Card fraud and skimmers
💳a card🔑a key👛in a wallet🔍look closer🧑tell a grown-up
A card number is like a key.
The big ideaA card number is like a key. Keep it safe and tell a grown-up.

How it works

Card fraud is when someone uses a card, or its numbers, without being allowed.

A card number works like a key: it opens things for whoever holds it. So it stays in a wallet, and we never read it out, post it, or send a photo of the card.

A skimmer is a small fake part on a card machine that copies the numbers from a card when it goes in.

Paying by card is normal, and most machines and shops are fine. The care is a habit, like looking both ways before you cross.

Looks right• Card slot sits firm• Keypad matches the machine• Sealed, no tapeOdd signs• A slot that wiggles or sticks out• A keypad that sits high• Tape, glue marks or a torn sticker
Real machine or odd machine?
StopDo not use itTell the personat the tillPay somewhereelse
If a machine looks odd.

Example 1: The pump that looked odd

  1. Idris sees a crooked slot that wiggles, a keypad sitting high, and tape with a torn sticker.
  2. He tugs Dad's sleeve before the card goes in.
  3. Dad says, "Good eyes. We will not use this one," and tells the person at the till.

Example 2: A charge nobody knows

  1. Aunt Folake finds a charge on her statement that she did not make.
  2. She calls the number on the back of her card, the real one.
  3. The card company stops the old card and sends a new one.

Example 3: A shop nobody knows

  1. A pop-up from a shop nobody knows shouts about a tiny price and says to type a card number now.
  2. Dad closes it. "We stay with shops we trust," he says.
  3. A grown-up types a card number, only at a shop the family trusts.
A tiny price and arushClose itShow a grown-up
A pop-up that wants a card number.

Words to know

skimmer
A fake part on a card machine that copies card numbers.
statement
The list of everything a card paid for.
card company
The company that gives out the card and can stop it.

Watch out

Try it

  1. What does a card number work like?
  2. A card slot wiggles. What do you do?
  3. Which number does a grown-up call about a strange charge?
  4. Why does a grown-up read the card statement?
Answers: 1. A key · 2. Do not use it, tell a grown-up · 3. The one on the back of the card · 4. To spot a charge nobody knows
Try at homeAsk a grown-up to show you how they read the card statement, and look at a few lines together.
For grown-upsShow your child how you read a card statement, and look at a few lines together. Say aloud how you check a machine before you use it.
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