How to Report Card Credit Card Skimming Incident

In most of the cases you will not be aware of your credit card having been skimmed till the time that you see fraudulent transactions on your credit card. But the time that you notice these transactions it may be hard for you to accurately pinpoint the incident when your credit card could have been skimmed. The first thing that you should do is to inform your creditors that transactions on your credit card bill are fraudulent transactions. You should follow up your call to the creditor with an application send in writing. Your liability for fraudulent transactions that have been made using the credit card information while the credit card is still in your possession is null. You cannot be held liable for charges that have been made due to credit card skimming.

Next thing you must do is to inform the credit bureaus and place a security alert on your credit report. You can either replace a preliminary security alert if you suspect that your credit card information has been stolen but no fraudulent transaction has occurred. You can place an extended security alert if you have already become a victim of identity theft through credit card skimming or any other method. The initial security alert lasts for a period of 90 days whereas the extended security alert stays on for a period of seven years. You will be required to send a request in writing to the credit bureaus. Placing a security alert will make it mandatory for businesses to confirm the identity of the individual before approving a credit application.

You should also alert The Federal Trade Commission as they often work to break up large credit card skimming rings and your complaint may help them catch the thieves.

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