{"id":2228,"date":"2025-09-15T16:08:02","date_gmt":"2025-09-15T15:08:02","guid":{"rendered":"https:\/\/www.redstareducation.co.uk\/blog\/?p=2228"},"modified":"2025-09-15T16:10:46","modified_gmt":"2025-09-15T15:10:46","slug":"staying-safe-from-credit-card-fraud","status":"publish","type":"post","link":"https:\/\/www.redstareducation.co.uk\/blog\/staying-safe-from-credit-card-fraud\/","title":{"rendered":"Staying Safe from Credit Card Fraud"},"content":{"rendered":"<p style=\"font-weight: 400;\">According to <a href=\"https:\/\/www.ukfinance.org.uk\/system\/files\/2025-05\/UK%20Finance%20Annual%20Fraud%20report%202025.pdf\">UK Finance\u2019s Annual Fraud Report<\/a> 2025, \u00a3722 million was lost to unauthorised fraud in 2024, an increase of 2% from 2023. Of this, credit card fraud accounted for \u00a3572.6 million.<\/p>\n<h2 style=\"font-weight: 400;\">Types of Credit Card Fraud<\/h2>\n<ul>\n<li style=\"font-weight: 400;\">Lost or stolen cards which are used without your permission<\/li>\n<li style=\"font-weight: 400;\">Skimming -where your card is cloned or copied to create a duplicate<\/li>\n<li style=\"font-weight: 400;\">Fraudulent credit card applications made in your name for a credit card without you knowing<\/li>\n<li style=\"font-weight: 400;\">Stolen card details \u2013 where your card details are stolen, usually online or through email scams<\/li>\n<\/ul>\n<h2 style=\"font-weight: 400;\">Top Tips to Stay Safe<\/h2>\n<ul>\n<li style=\"font-weight: 400;\">Make sure you look after your card and card details at all time \u2013 for example, keep your card in a safe place and when you type in your pin, shield it with your spare hand to avoid it being see<\/li>\n<li style=\"font-weight: 400;\">Regularly check your bank balance and bank statements so that you can quickly identify any fraudulent transaction<\/li>\n<li style=\"font-weight: 400;\">Store any personal and financial documents safely and when you dispose of them, destroy them, such as with a shredder<\/li>\n<li style=\"font-weight: 400;\">Memorise your pin and avoid keeping a written copy of it anywhere<\/li>\n<li style=\"font-weight: 400;\">Do not give your pin to anyone else<\/li>\n<li style=\"font-weight: 400;\">Be wary of anyone standing too close to you at a cash machine or when you are making a payment<\/li>\n<li style=\"font-weight: 400;\">Instal anti-virus software on your devices<\/li>\n<li style=\"font-weight: 400;\">Don\u2019t click on any unknown links or suspicious emails or pop-ups<\/li>\n<li style=\"font-weight: 400;\">If you spot signs that a cash machine might be dodgy, don\u2019t use it \u2013 signs include misaligned stickers and unusual bulkiness around the card slot or key pad. You can find out more about cash machine fraud by <a href=\"https:\/\/www.takefive-stopfraud.org.uk\/protect-yourself\/cash-machine-fraud\/\">clicking here\u00a0<\/a><\/li>\n<li style=\"font-weight: 400;\">Use strong passwords for your online accounts and enable two-step verification<\/li>\n<li style=\"font-weight: 400;\">Avoid accessing your personal or financial information on public Wi-Fi or computers<\/li>\n<\/ul>\n<h2 style=\"font-weight: 400;\">Getting Your Money Back<\/h2>\n<p style=\"font-weight: 400;\"><a href=\"https:\/\/www.financial-ombudsman.org.uk\/businesses\/complaints-deal\/fraud-scams\/unauthorised-transactions-identity-theft\">The Financial Ombudsman<\/a> states that if a customer didn\u2019t authorise a transaction that has come out of their account, then their bank or payment service provider must reimburse them, or prove that they acted intentionally or with gross negligence by not:<\/p>\n<ul>\n<li style=\"font-weight: 400;\">Keeping the payment instrument safe (i.e, protecting the details of your card, PIN number or password)<\/li>\n<li style=\"font-weight: 400;\">Adhering to the terms of its use<\/li>\n<li style=\"font-weight: 400;\">Failing to report it being lost, stolen, or misappropriated<\/li>\n<\/ul>\n<p style=\"font-weight: 400;\">If you notice an unauthorised payment from your account, you should contact your bank as soon as possible and request a refund. <a href=\"https:\/\/www.fca.org.uk\/consumers\/fraudulent-payments\">The FCA<\/a> advises you to ensure that you do this within 13 months from the payment date, or you may be unable to make a claim.<\/p>\n<p>&nbsp;<\/p>\n<h3 style=\"font-weight: 400;\">In the mood for more? Check out some of these blogs below\u2026<\/h3>\n<p style=\"font-weight: 400;\"><a href=\"https:\/\/www.redstarwealth.co.uk\/blog\/keeping-safe-from-identity-theft\/\">Keeping Safe from Identity Theft\u00a0<\/a><\/p>\n<p style=\"font-weight: 400;\"><a href=\"https:\/\/www.redstareducation.co.uk\/blog\/the-pros-and-cons-of-credit-cards\/\">The Pros and Cons of Credit Cards\u00a0<\/a><\/p>\n<p style=\"font-weight: 400;\"><a href=\"https:\/\/www.redstarwealth.co.uk\/blog\/changing-your-passwords\/\">Changing Your Passwords\u00a0<\/a><\/p>\n<p style=\"font-weight: 400;\"><a href=\"https:\/\/www.redstareducation.co.uk\/blog\/social-media-scammers\/\">Social Media Scammers\u00a0<\/a><\/p>\n<p style=\"font-weight: 400;\"><a href=\"https:\/\/www.redstarwealth.co.uk\/blog\/how-to-avoid-becoming-a-victim-of-a-scam\/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=how-to-avoid-becoming-a-victim-of-a-scam\">How to avoid being the victim of a scam<\/a><\/p>\n<p style=\"font-weight: 400;\">\n","protected":false},"excerpt":{"rendered":"<p>According to UK Finance\u2019s Annual Fraud Report 2025, \u00a3722 million was lost to unauthorised fraud in 2024, an increase of 2% from 2023. Of this, credit card fraud accounted for \u00a3572.6 million. Types of Credit Card Fraud Lost or stolen cards which are used without your permission Skimming -where your card is cloned or copied [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":2235,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[1],"tags":[183,1617,1613,1612,44,96,1610,95,1616,167,1036,1037,299,1614,1615,162,289,1611,600],"class_list":["post-2228","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-bank-account","tag-bank-details","tag-card-details","tag-cloning","tag-credit","tag-credit-card","tag-credit-card-fraud","tag-debit-card","tag-financial-details","tag-fraud","tag-fraudster","tag-identity-theft","tag-phishing","tag-pin","tag-pin-number","tag-scam","tag-scammer","tag-skimming","tag-social-media"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Staying Safe from Credit Card Fraud - Red Star Education Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.redstareducation.co.uk\/blog\/staying-safe-from-credit-card-fraud\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Staying Safe from Credit Card Fraud - Red Star Education Blog\" \/>\n<meta property=\"og:description\" content=\"According to UK Finance\u2019s Annual Fraud Report 2025, \u00a3722 million was lost to unauthorised fraud in 2024, an increase of 2% from 2023. 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