Withdrawing cash from ATM should be a quick and convenient experience. But recent reports highlight a new ATM scam that can leave you frustrated and potentially empty-handed. Let’s understand this “card trapping” scheme and how to protect yourself.
What is Card Trapping?
Unlike skimming devices that steal your card information, card trapping scams focus on physically preventing your card from being ejected after a transaction. Here’s how it works:
- Tampered Card Reader: Fraudsters tamper with the ATM’s card reader by inserting a thin overlay or modifying the internal mechanism.
- Deceptive Message: Once you insert your card and complete your transaction, the ATM might display a fake error message like “card retained for verification” or “system malfunction.”
- The Trap is Set: With this message displayed, you might be tempted to wait or even leave the ATM momentarily, assuming a technical issue. However, the real problem is your card is now stuck inside the machine.
What Happens Next?
If you fall victim to this scam, here’s what could happen:
- Panic Sets In: Realizing your card is trapped, you might start to panic. This is exactly what fraudsters want.
- Help! or Hustle?: They might appear helpful, offering to “fix” the ATM for you. However, this could be a trick to get you to reveal your PIN while they watch.
- Lost Time, Lost Card: Waiting for help or trying to resolve the issue yourself can waste valuable time.
Protecting Yourself
Here are some tips to avoid becoming a victim of card trapping:
- Be Wary of Error Messages: If you see an unusual error message after inserting your card, don’t ignore it, but don’t panic either.
- Gently Tug Your Card: Carefully try to remove your card. If it doesn’t come out easily, there might be a problem.
- Don’t Engage with Strangers: Don’t trust anyone who offers unsolicited help, especially if they ask for your PIN.
- Report the Incident Immediately: Contact your bank and inform them about the situation as soon as possible. They can deactivate your card to prevent unauthorized transactions.
- Consider Alternatives: If you suspect an issue with the ATM, choose a different machine or visit your bank branch directly.
What if You Fall Victim?
If your card gets trapped, here’s what to do:
- Don’t Leave the ATM: Stay at the machine and wait for someone from the bank to arrive.
- Contact Your Bank: Call your bank’s customer service number and explain the situation.
- Report the Crime: Inform the police about the attempted fraud.
The Takeaway
Card trapping is a sneaky tactic, but by being aware and taking precautions, you can protect yourself. Remember, if something seems off at the ATM, it probably is. Don’t hesitate to walk away and try another machine or contact your bank for assistance.
