7 Ways to Protect Yourself From Credit Card Fraud at Gas Stations

Learn how to protect yourself against credit card fraud and avoid credit card skimmers.

Consumers typically worry about credit card fraud when making purchases online or conducting ATM transactions, but over the past few years, fraudulent credit card activity has taken the form of gas station scams that use technology to victimize patrons. The key to staying safe is understanding how to protect yourself from identity theft and credit card fraud.

By practicing these security measures before swiping a credit card at the gas pump, you can protect yourself from identify theft and credit card fraud.

1. Beware of Gas Station Credit Card Skimmers

Gas station credit card skimmers are external devices that thieves attach over a real credit card slot at a gas station pump. As customers swipe their cards into the skimmer, the device saves and stores card information immediately.

What to look for: If a credit card slot looks different from the other card readers at the station, it might be a setup for a credit card skimming fraud.

What to do: Skimming devices are meant to be placed temporarily for a matter of hours or just a day. For that reason, they are attached using only double-sided tape, so thieves can easily remove them. Before sliding a credit card through the machine, tug on the reader to ensure it is securely attached; skimmers will easily pop off with little effort.

Contact the police to file a police report if you find a credit card skimmer; this is a necessary step so that the device can be placed safely in the hands of authorities.

Read: What Type of Credit Card Should I Get?

Credit Card Skimmers at Local Gas Stations

Watch this video to see what credit card skimmers look like at a typical gas station.

2. Look for Tamper-Evident Stickers

Criminals usually infiltrate credit card mechanisms through the front panel of gas pumps. They implant devices internally, and these devices then capture the credit card information from within once customers swipe their cards.

What to look for: Survey the gas pump’s edges — especially the hatch surrounding the credit card unit. If it looks battered, as if someone tried to pry it open, or if the lock itself is broken, it might be compromised. Some gas stations, like Shell stations, apply a tamper-proof seal across the opening of the credit card door. When a door is broken into, the sticker is lifted revealing the words “VOID” on the sticker.

What to do: Before using a gas pump, find out whether the pump has a tamper-evident sticker. If it has one that is placed on the unit correctly — across the opening of the door — and it reads “VOID,” move on to the next pump or station.

You might want to inform the gas attendant if you see a voided sticker — and you should definitely contact the local authorities to report the gas station scams in the area. If enough reports of gas station credit card fraud are forwarded, this might get an investigation started.

See Warning Stickers at Gas Stations

Watch this video to see another kind of tamper-evident sticker when at the gas station.


3. Block View of Pinhole Cameras

These inconspicuous cameras are so small that cardholders really have to be paying attention to spot them. They are sometimes used in conjunction with credit card skimmers to capture footage of customers entering their PIN numbers on debit cards. With this added information, criminals can commit debit card fraud and withdraw funds directly from bank accounts, as well as make fraudulent credit card purchases. For this reason, it’s always better to use a credit card at a gas station rather than a debit card.

What to look for: Again, search for anything on the face of the gas pump that looks different compared to the other pumps. Pinhole cameras are often situated above the keypad area.

What to do: For extra precaution, use two hands when paying for gas at the pump. Use one hand for the transaction, and place the other above the credit card screen to shield the keypad from view of lurking cameras above.

4. Beware of Electronic Pickpockets

Among the most dangerous tools used to steal credit card information are electronic pickpocketing devices. If you have a radio frequency ID (RFID) chip implanted in your credit card, you are susceptible to these electronic pickpocketing devices. These chips are easy to scan and allow customers the convenience of tapping — instead of swiping — their cards to make a purchase. Criminals conceal the device discreetly while walking past their victims, and use the device to scan victims’ “chipped” credit cards.

What to look for: Know whether your credit cards have the RFID chip; MasterCard PayPass and Chase Blink credit cards are among those that feature the chip. No contact is needed for the device to scan credit cards — thieves only need to be a few inches away.

What to do: Chase and other banks have already started to phase out this feature. Those who still own a RFID-capable card can do two things to protect themselves:

  1. Be wary of anyone who walks too closely to you at the pump and remain aware of your surroundings and the electronic devices that might be in others’ hands.
  2. Wrap your RFID cards in aluminum foil. It sounds funny, but it’s proven to be more effective in protecting credit card information than expensive RFID-specific wallets on the market, according to Consumer Reports.

Read: 15 Everyday Things That Empty Your Wallet

5. Use the Pump Closest to the Cashier

If you have a choice of pumps, choose the pump closest to the cashier. Criminals are less likely to apply credit card skimmers or other criminal tools so close to the attendant. Of course, you should still be wary of credit card skimmers, tamper-evident stickers and pinhole cameras even if you do get a pump close to the cashier.

6. When in Doubt, Use Cash

While credit cards lend convenience, if a situation just doesn’t feel right, go with your instincts and just use cash. It saves the hassle of disputing a credit card charge in the future and eliminates the chance of putting yourself at risk of long-term credit damage.

7. Pay the Gas Station Attendant Instead

If cash isn’t a possibility, cardholders also have the option of handling the transaction with the gas station attendant. Customers do still take on a small risk — as there is no guarantee that the employee isn’t using a credit card skimmer behind the counter — but can avoid the risks of pinhole cameras and gas-pump credit card readers that have been tampered with.

What to Do If Your Credit Card Is Skimmed

It’s always good practice to check your bank or credit card statements to make sure the charges are correct. After filling up your car at a gas station, it’s prudent to check your accounts. If you review your statements or accounts and find that your credit card has indeed been skimmed, call your credit card or bank immediately to let them know about the fraudulent charges and to protect yourself from further criminal activity on that card.

Credit cards and banks have measures set up for credit card fraud detection; consider taking advantage of these tools. For example, you might consider setting up a credit fraud alert on your accounts so you can know immediately of any fraud charges or if your account security is compromised.

Read: 15 Easy Credit Card Hacks

  • Ed

    i was gonna report something here but thought the crooks would catch wind and pull out before they were caught so im not gonna just yet.

  • Whity Joe Yung

    don’t use debit cards for these kinds of transactions. you do not get the kind of fraud-loss protection — by law — that you get with credit cards. it can be a hassle, but if you’re being ripped off, isn’t it better to have a $50 limit on your losses? If a debit card pin is discovered and used, your bank acct can be drained and you have no real recourse or protection established by law. You are at the mercy of the bank and what they’re willing to do to make you whole — which is usually nothing.
    Credit cards, on the other hand, are limited to $50 in losses per incident of loss or stolen card info. The issuing bank must comply with these Federal banking regulations, thus protecting you.
    Get a credit card with a small limit, pay it off every billing cycle, and use it for convenience in situations such as this. Go paperless billing for added security — no statements in the mail means no tweakers trying to steal your ID info by hoisting your mailbox contents.

  • JIM stone

    I had this happen 2 times this year at 2 different locations. $165.00 on credit card and $150.00 on a debit card. According to my bank, the magnetic strip on any card contains all the information needed to do any type transaction. ie, if you use credit and have cash advance capability or if on a debit you have overdraft protection on the card they can do a lot of damage even if you have low limits on the card. I also got a notice from a company that last june, for the entire month their system was hacked and anyone making a purchase during June credit cards were hacked for the entire month. It was so large they couldn’t figure it out but had information that I had used my card during that time. I am done with cards period, and will only use them now if mandatory for booking a flight or hotel.

  • Brown

    I used that Shell station and I had a similar issue as well. Have you seen other stories that list the location of other gas stations in the raleigh Durham area? I have several other suspicious trasactions on my card that is over 90 days ago and unfortunately the stations no longer have those images on their cameras. I really need to prove That I did not make these transaction

    • hadenough48

      My son had the same thing happen at a Shell station in Santa Cruz. The parasites are everywhere.

  • Vraviator

    Big Problem over the holidays because of the high activity on cards. Usually, a trained store clerk will ask for id if the purchase is over a certain amount–usually set by the store. But when they are busy with a bunch of people in line, they skip this important procedure. Second, probably 8 out of 10 cardholders do not know that you can get an immediate electronic alert if your card is used say, in a different state ( I live in Texas, my card was used at a Krogers grocery store-in Ohio-one of the worst stores to use credit or debit cards at– and I was notified immediately by an alert to my cell phone. The bank fed exed me another card the following day. Ask you bank for this feature–mine does not charge for it. Another (recent)tip Most restaurants and bars watch closely the transactions made by new hires that have worked for several other restaurants for short periods of time and moved on. these are the waiters, bartenders and clerks that take your card, run it in the usual procedure at the place you are at but then they also run it through a small magnetic data collector–(some as small as a computer mouse) and may collect over a hundred card numbers in a days work depending on how many clients the waiter serves during their day. Watch where your card travels to in that restaurant or bar.

  • Elyssa Kirkham

    I got my debit card info compromised, I think through No. 4, though after the fact it’s hard to know. Definitely made me more cautious about paying at the pump.

  • Erik

    I honestly never gave this any thought. I always use my debit card at the pump, but now I’m feeling very wary of it!

  • andrew

    I was going to mention how useless your post was Ed, but I will wait to tell you until after you post your real post.

  • 1mmfuchs1

    thanks for sharing. Good info for everyone. The easier the transaction the more dangerous it is.

  • Alvin Brinson

    Those security seals are basically worthless.

    I have seen station attendants routinely peel them back to install receipt paper, for example. Many older gas pumps do not have a clear service panel separate from what you have to open to clear paper jams, etc. Either that or they’re installing the seals in the wrong place.

    Even if they’re not falsely triggered like above, it would be ridiculously easy to fake the seals.

  • Mark Tate

    I got scammed out of $482.00 bucks yesterday after filling up at a local station in North Alabama.I noticed on my account the next day when I checked it.They made three more attempts to make charges but the card was maxed out.BEWARE!