7 Common Ways Cybercriminals Steal Credit Card Information
Published: May 3, 2025
Did you know there are some Common Ways Cybercriminals Steal Credit Card Information easily? This fraud happens every 2 seconds around the world.
That’s right — thousands of people lose money daily, and most don’t even realise how it happened until it’s too late.
The scary part? Cybercriminals are getting smarter; you don’t have to be careless to become their next target.
Sometimes, just clicking on the wrong link, using public Wi-Fi, or shopping on a fake website is enough for them to steal your card details.
But don’t worry — you’re not helpless.
In this post, we’ll use real-life examples and simple language to explain 7 common ways cybercriminals steal credit card information.
We’ll also share easy tips for protecting your credit card online and keeping your money safe.
So, if you’ve ever asked yourself, “How do cybercriminals steal card data?” — you’re in the right place. Let’s get started!
Phishing & Smishing Attacks – Common Ways Cybercriminals Steal Credit Card Information
Let’s start with one of the most common tricks in the cybercriminal’s book — phishing.
What is Phishing?
Phishing occurs when a hacker pretends to be someone you trust, such as your bank, a shopping site, or even a friend.
They trick you into clicking a bad link, sharing your login details, or entering your credit card information.
It usually happens through emails that look almost real. But they’re fake. And clicking on them can lead to credit card fraud or even identity theft.
A Real-World Example:
Let’s say you get an email like this:
Subject: Urgent: Your Bank Account Is Locked
Hello Customer,
We noticed suspicious activity on your account. Please verify your identity to unlock your card.
[Click Here to Verify]
It looks serious, right? But the link takes you to a fake website, where you unknowingly enter your card details, handing them straight to the hacker.
This is classic email fraud.
What is Smishing?
Imagine getting that kind of message as a text (SMS). That’s called Smishing, which is short for SMS phishing. The text might say:
“Your debit card is blocked. Click this link to verify: http://fakebanklink.com”
You tap it, panic a little, and boom — they’ve got your card data.
Red Flags to Watch For:
- Messages that create urgency (“act now or you’ll lose access”)
- Emails or texts from unknown senders
- Bad grammar or spelling mistakes
- Links that look strange or have unusual domain names
- Requests for sensitive info like card numbers, passwords, or OTPs
Quick Tip:
Always double-check the sender’s email or phone number. When in doubt, don’t click — visit the website directly or call your bank using the official number.
Fake or Spoofed Websites (Website Cloning)
Let’s discuss another sneaky method cybercriminals use—creating fake websites that look just like real ones.
This trick is called website cloning, and it’s becoming more common, especially during shopping seasons and bank scams.
How Do These Fake Websites Work?
Hackers create websites that look precisely like popular e-commerce or banking sites, with the same logo, layout, and colours.
At first glance, you wouldn’t notice anything wrong.
But here’s the catch: when you enter your credit card information on these sites to “make a purchase” or “verify your account,” that info goes straight to the hacker.
It’s a classic case of online shopping fraud, and many people fall for it daily.
How People Get Tricked
- Clicking on links in fake emails or messages (phishing or smishing)
- Ads that lead to cloned shopping websites
- Fake websites ranking in Google due to low competition keywords
- Scammers are sharing fake site links on social media
How to Spot a Fake or Spoofed Website
Here are a few simple tips to stay safe:
- Check the URL carefully – Real websites will have correct spellings (e.g., amazon.com, not amaz0n-shop.com)
- Look for HTTPS – Secure websites will show a lock icon in the address bar
- Inspect the website content – Poor grammar, low-quality images, or broken links are warning signs
- Avoid unfamiliar links from messages or social media ads
Quick Tip
If you’re unsure about a site, search for the brand on Google instead of clicking random links. And when in doubt, don’t enter your card details.
Credit Card Skimming and Shimming Devices
Have you ever swiped or inserted your card at an ATM, gas station, or store counter and later seen strange charges?
You might have been a victim of card skimming or shimming — sneaky tricks used to steal card data without you even noticing.
What is Card Skimming?
Skimming occurs when criminals install a small, hidden device (a skimmer) on real payment machines, such as ATMs, gas pumps, or POS (Point of Sale) terminals.
When you swipe your card, the skimmer copies the data from the magnetic stripe. In just seconds, your card info can be stolen and cloned.
What is Card Shimming?
Shimming is a newer and brighter version of skimming. Instead of targeting the magnetic stripe, it targets the EMV chip—that shiny chip on modern cards.
Criminals slide a paper-thin device called a shim inside the card slot. When you insert your chip card, the shim reads the data.
It can’t clone the chip, but it may grab enough information to create a fake magnetic stripe version of your card.
How to Detect Skimmers and Shimmers
Here are some simple things to check before inserting your card:
- Wiggle the card slot – If it feels loose or bulky, it might be a skimmer
- Check for odd attachments – Look around the keypad or card reader for hidden cameras or unusual parts
- Use secure ATMs – Prefer indoor ATMs or those inside banks; they’re harder to tamper with
- Cover the keypad – Always cover your hand while typing your PIN
Quick Tip:
If something feels off, trust your gut. Try another ATM or payment terminal, and regularly check your bank statements for suspicious charges.
Malware, Spyware & Keyloggers
Let’s talk about a dangerous threat that can silently steal your credit card information without you knowing it: malware, spyware, and keyloggers.
These programs are designed to secretly track your every move on your computer or phone — even your credit card details!
What is Keylogging Malware?
Keylogging is malware that records every key you press on your keyboard. If you type in your credit card number, password, or sensitive information, the keylogger captures it.
Hackers then use this stolen info to access your online shopping accounts or bank accounts, often leading to POS malware or identity theft.
How Does Spyware Track You?
Spyware is a sneaky program that monitors everything you do on your computer or mobile device, from keystrokes to the websites you visit.
It sends all that data to cybercriminals.
Spyware can track your browser activity, such as the credit card numbers you enter while shopping, and share it with hackers.
Spyware can infect your system even without your knowledge through suspicious links or downloads.
How to Prevent Malware, Spyware & Keyloggers
Here are some easy tips to help you stay safe:
- Use Antivirus Software – Install trusted antivirus software to catch and remove malware
- Don’t Download Suspicious Files – Avoid downloading attachments or files from unknown sources (like emails from strangers)
- Update Your Software – Regularly update your operating system and apps to close any security holes
- Use a Virtual Keyboard – When entering sensitive information, consider using an on-screen keyboard to avoid keyloggers
Quick Tip:
If your computer or phone starts acting weird, like running slowly or showing strange pop-ups, run a full antivirus scan immediately.
Public Wi-Fi Vulnerabilities – Common and Easy
Public Wi-Fi is super convenient. It allows you to check your email, shop online, or catch up on social media while out and about.
But did you know that public Wi-Fi can be a dangerous place for your credit card information?
How Hackers Exploit Public Wi-Fi
You use an unsecured network when connecting to public Wi-Fi at cafes, airports, or hotels.
This means hackers can sneak onto the same Wi-Fi network and watch your internet activity, including what websites you visit and what info you type in.
It’s like leaving your door unlocked while inviting thieves to wander in!
What is a Man-in-the-Middle (MITM) Attack?
One of the sneakiest ways hackers use public Wi-Fi to steal data is through Man-in-the-Middle (MITM) attacks. Here’s how it works:
- A hacker sets up a fake Wi-Fi network with a name similar to the legitimate public one (e.g., “Free_Airport_WiFi”).
- When you connect to it, they intercept the data between your device and the Internet, such as your credit card information, passwords, or personal messages.
- The hacker acts as the middleman, secretly observing all your activity.
Why Using a VPN is Smart in Public Spaces
A VPN (Virtual Private Network) is a good idea to keep your information safe on public Wi-Fi. A VPN:
- Encrypts your connection, making it much harder for hackers to see what you’re doing online
- Keeps your data private, even when you’re on an unsecured network
- So, next time you’re out in a public place, ensure you’ve got that VPN switched on!
Quick Tip:
If you must use public Wi-Fi, do not enter sensitive information (like credit card numbers or passwords) until you are back on a secure network.
And if you don’t already have a VPN, it might be time to get one!
Data Breaches & Dark Web Sales
You’ve probably heard about big companies suffering data breaches, but what happens to your credit card information once it’s exposed?
Unfortunately, stolen data doesn’t just disappear — it often ends up for sale on the dark web, where hackers trade it for profit.
Significant Company Breaches and Data Leaks
Large companies store a large amount of personal data, including credit card information, login details, and personal identification.
If a company’s security gets breached (hacked), that data can be exposed to cybercriminals.
Recent data breaches, such as those involving major retailers or social media companies, have shown that millions of customers’ details can be instantly stolen.
Once hackers steal this data, they don’t just sit on it. They sell it on the dark web — a hidden part of the internet where illegal activity occurs.
This marketplace is a goldmine for cybercriminals, as they can buy and sell stolen credit card data in bulk.
What Happens to Your Data Once Leaked?
Once your data is leaked, it can be used in a variety of ways:
- Fraudulent purchases: Cybercriminals can use your card to make online purchases or withdraw money
- Identity theft: Stolen personal information can be used to open new accounts or take loans in your name
- Selling your data: Hackers can sell your information to other criminals for fraudulent activities.
Even if you don’t notice any suspicious charges immediately, your data could still be circulating on the dark web, ready to be misused at any time.
Tools to Monitor If Your Data Has Been Compromised
To keep an eye on your data, several free tools can help you monitor whether your information has been exposed:
- Have I Been Pwned: You can enter your email address to check if it’s been involved in any data breaches.
- Credit Monitoring Services: These services alert you if there are any changes to your credit report or accounts.
- Dark Web Monitoring: Some services specifically monitor the dark web for stolen information tied to your name or credit card number.
To protect yourself from identity theft and credit card fraud, change passwords regularly, use strong security measures, and opt for credit card monitoring if you’ve been involved in a breach.
RFID Skimming & Contactless Card Fraud (Optional)
You’ve probably heard about RFID skimming and contactless card fraud — the idea that hackers can steal your credit card information just by walking near you.
But is it a real threat, or is it overhyped? Let’s break it down.
How RFID/NFC Skimming Works
RFID (Radio Frequency Identification) and NFC (Near-Field Communication) are technologies used in contactless payment cards.
These cards allow you to pay for things with a simple tap of your card—super convenient, right?
Unfortunately, these same technologies can be used by hackers to steal your card information without you even knowing it. Here’s how:
- RFID skimming devices are small and discreet gadgets that can read the signals emitted by your contactless card.
- When you walk by a hacker with one of these devices, it can grab your card’s info from a distance, without you ever taking it out of your wallet.
- But don’t panic just yet! While it sounds scary, RFID skimming isn’t as common as it might seem.
Is RFID Skimming a Real Threat or Overhyped?
In reality, RFID skimming isn’t as significant a threat as some make it out to be.
The technology must be very close to your card to work, and the information it gathers is often limited (like just the card number).
Most credit card companies use extra layers of security to prevent unauthorised transactions.
It’s always smart to be cautious, especially in crowded places where you might not notice someone getting close to you.
Tips to Protect Yourself
Here are a few simple ways to keep your contactless cards safe:
- Use RFID-blocking wallets: These wallets have special materials that block RFID signals, stopping hackers from reading your card from a distance.
- Keep cards in a safe place: Avoid carrying them loosely in pockets or bags where they could be easily scanned.
- Monitor your statements: Regularly check your credit card statements for unauthorised charges.
Quick Tip:
If you’re concerned about contactless fraud, using an RFID-blocking wallet is an easy, affordable way to add extra security to your cards.
That wraps up our section on RFID Skimming & Contactless Card Fraud! Would you like help with your post’s conclusion or final wrap-up?
FAQs
You might notice strange or unauthorised charges on your credit card statement. Sometimes, your bank may alert you about suspicious activity. If your card suddenly stops working or you see charges you didn’t make, that’s a red flag.
Contact your bank or card provider right away and report the fraud. They’ll freeze or block your card to prevent further misuse. Also, check your recent transactions and update your online passwords for extra safety.
Yes, if you click on a fake or phishing link, you can be led to a website designed to steal your information. Sometimes, simply opening a link can trigger malware downloads. Always verify links before clicking and avoid entering personal information on suspicious sites.
Hackers create websites that look like real e-commerce or banking pages. These cloned sites trick users into entering their card info, thinking they’re on a trusted site. Always double-check the URL, look for HTTPS, and avoid sites with poor design or errors.
Public Wi-Fi is often unsecured and can be a hotspot for hackers. Cybercriminals can intercept your data using man-in-the-middle attacks. If you must use public Wi-Fi, avoid sensitive tasks or use a VPN for added protection.
Phishing is when attackers send fake emails or texts that look real to steal your information. These messages often contain urgent language and suspicious links. Look for bad grammar, unknown senders, or requests for sensitive data.
Skimmers are small devices secretly attached to card readers that copy card information. Some may even include hidden cameras that capture your PIN. Always inspect the machine before use—loose or bulky parts can be signs of a skimmer.
Keyloggers are spyware that record every keystroke you make, including credit card numbers. This data is then sent to hackers without your knowledge. To stay safe, avoid downloading suspicious files and use reliable antivirus software.
Yes, RFID skimming tools can read contactless card data from a short distance. While it’s not very common, it’s still possible. Using an RFID-blocking wallet or sleeve can help prevent this kind of theft.
You can use free tools like “Have I Been Pwned” to check if your email or data was part of a breach. Some credit monitoring services also alert you if your data appears on dark web forums. Monitoring your accounts regularly for any strange activity is a good idea.
Final Thoughts
Credit card fraud is a serious issue that can affect anyone, but knowing how cybercriminals steal credit card information is the first step to staying safe.
From phishing scams to public Wi-Fi risks, understanding these standard methods helps avoid falling into traps.
Stay alert, protect your data, and use smart habits while shopping or banking online. Awareness can go a long way in keeping your credit card safe.
Bonus Info Points
- Use Virtual Credit Cards: Many banks and apps now offer virtual credit cards for online shopping. These are temporary numbers that protect your real card details from exposure.
- Don’t Save Card Info on Websites: It’s tempting to save your card for quick checkout, but entering it manually each time is safer, especially on less trusted websites.
- Learn to Spot Urgent Language: Scam emails often try to scare you with messages like “Your account will be locked!” Stay calm and verify before clicking anything.
- Keep Devices Updated: Always install the latest updates on your phone and computer. These updates fix security holes that hackers try to exploit.
- Use Strong, Unique Passwords: A weak or reused password can make it easy for hackers to access your accounts. Use a password manager to create and store strong passwords safely.
- Be Respectful
- Stay Relevant
- Stay Positive
- True Feedback
- Encourage Discussion
- Avoid Spamming
- No Fake News
- Don't Copy-Paste
- No Personal Attacks
- Be Respectful
- Stay Relevant
- Stay Positive
- True Feedback
- Encourage Discussion
- Avoid Spamming
- No Fake News
- Don't Copy-Paste
- No Personal Attacks
