What are the main credit card scams in the US?

Do you know the main credit card scams in the USA?

Credit cards are one of the most common financial tools in the United States. They make everyday purchases easier, build credit history, and even offer rewards. However, the widespread use of credit cards also makes them a target for scammers.

Every year, millions of Americans fall victim to credit card fraud, losing both money and personal information. Understanding how these scams work is the first step to staying safe.

In this article, we’ll explore the main types of credit card scams in the US, how they operate, and what you can do to protect yourself.

1. Phishing Scams

Phishing is one of the most common tactics used by fraudsters. In this scam, criminals send emails, text messages, or phone calls pretending to be a bank or credit card company.

They usually claim that your account has been compromised or that urgent action is required.

The goal is to make you share sensitive information such as your credit card number, security code, or login credentials. Once the scammer has access, they can make unauthorized purchases or even steal your identity.

How to protect yourself: Never click on suspicious links or provide personal information through email or text. If you receive a message, contact your bank directly using the official phone number or website.

2. Skimming Devices

Skimming happens when criminals place small devices on ATMs, gas pumps, or point-of-sale terminals. These devices capture the information stored on the magnetic stripe of your card.

Sometimes, scammers also install tiny cameras or fake keypads to record your PIN.

With this data, they can clone your card and make fraudulent transactions. Skimming is particularly dangerous because it can happen even during legitimate purchases, without you noticing.

How to protect yourself: Before inserting your card, inspect the machine. If a part looks loose, bulky, or unusual, it might be a skimmer.

3. Fake Online Stores

E-commerce has grown rapidly, and scammers have taken advantage of this by creating fake websites that look like real online stores.

These sites often advertise products at very low prices to attract buyers. Once you enter your credit card details, the product never arrives, and your information is stolen.

How to protect yourself: Stick to well-known retailers and check if the website has security features like “https://” in the URL. Look for customer reviews and be cautious of deals that seem too good to be true.

4. Account Takeover

In an account takeover, criminals gain access to your credit card account by stealing login details through phishing, data breaches, or malware. Once inside, they can change your personal information, request new cards, and make purchases.

This type of scam is particularly damaging because it gives criminals ongoing access to your account, making it harder to detect.

How to protect yourself: Use strong, unique passwords and enable two-factor authentication whenever possible. Monitor your credit card statements regularly to catch any unusual activity.

5. Card-Not-Present Fraud

This form of fraud occurs when scammers use your credit card information to make purchases online or over the phone, without needing the physical card.

Since verification is weaker in these transactions, it has become one of the most frequent types of fraud in the US.

How to protect yourself: Set up alerts for online transactions and use virtual card numbers if your bank offers them. These temporary numbers can only be used for specific purchases, reducing the risk of theft.

6. Charity and Prize Scams

Some scammers play with emotions by posing as charitable organizations or claiming you’ve won a prize.

They may ask you to provide your credit card details to make a “donation” or cover “processing fees.” In reality, the money goes directly to the fraudster.

How to protect yourself: Verify charities through official websites such as Charity Navigator or the Better Business Bureau. Legitimate prizes never require payment to claim.

Final Thoughts

Credit card scams in the US are sophisticated and constantly evolving. From phishing emails to fake online stores, criminals use creativity and technology to exploit unsuspecting consumers.

The best defense is awareness. By knowing the most common scams, monitoring your accounts, and practicing safe habits, you can greatly reduce the risk of becoming a victim.

Always remember: your bank or credit card provider will never ask for sensitive information through email or text.

If something feels suspicious, trust your instincts and double-check with official sources. Protecting your financial information is not just about avoiding loss, it’s about ensuring peace of mind in an increasingly digital world.

Written by

Juliana Raquel