5 Biggest Credit Card Scams and What You Can Do to Protect YourselfCredit card scams aren't going to disappear anytime soon, but a keen eye and a bit of caution can work wonders in protecting yourself.

As times change,credit card technologyfollows suit. But while change brings benefits, it also means that fraudsters andidentity thieveshave more tools at their disposal than ever before and that these tools have evolved in order to combat the ever-changing protective measures put into place to make criminals' jobs harder.

Fortunately, there are plenty of ways toavoid identity theft通过信用卡诈骗。与此同时,让我们discuss five of the most significant categories of scams you might face in today's high-tech landscape.

1. Credit card skimming

The Scam:Search the web for "credit card skimming," and it's not unlikely that you'll see several news stories from the last few days alone. This scam occurs when askimming devicedesigned to illicitly read and store the credit card information is installed on a card reader. They're usually used in public areas, like gas pumps or convenience store ATMs.

Related:Watch Out for These Cryptocurrency Scams

Chip-enabled credit cards are often touted as the secure solution to this issue, but they're not entirely safe from skimming. Shimming devices -- an updated version of the typical skimming device that's designedtake information from chip cards-- have become a hot topic, serving as an important reminder of the hardy adaptability of credit card fraudsters. Plus, chip-enabled cards usually still have a magnetic stripe, which means they're still susceptible to skimming.

The Solution:Examine any public card readers you use. If there are signs of tampering, take your business elsewhere if possible. In a pinch or uncertain what to look for? Keep a close eye on your account activity after the transaction. Contact your card issuer immediately and cancel the card if you spot anything out of the ordinary.

2. The phone scam

The Scam:Phone scam tacticsvary, but they tend to have one thing in common: they're designed to seem both urgent and trustworthy enough to get you to fork over sensitive information. Modern technology enables criminals to spoof the phone number of a respectable party, such as a bank or a reputable company, which makes it that much more important to be guarded when you're answering a call. Certain scammers have even called victims while spoofing law enforcement phone numbers and requested payment to rectify a crime that was never committed.

The Solution:First and foremost, know that the vast majority of legitimate parties aren't going to request payment over the phone. This is particularly true when it comes to governmental agencies, like the police or the IRS. If you think a calldoessound legitimate, state that you'd like to call back using the official hotline. Any pushback is a common sign that you're dealing with a scam.

Related:Why It's Nearly Impossible To Stop This Amazon and eBay Scheme

3. Phishing

The Scam:Phishing refers tofraudulent emailssent to extract sensitive personal information, such as social security numbers or payment details. Phishing emails often lead to seemingly legitimate websites where victims enter this information. Specific phishing scams to look out for include, but aren't limited to, emails calling for you to address an issue with your credit card or tech support scams where the email indicates that an account will be deactivated if you don't log in to confirm your information.

The Solution:Defend yourself from phishing the same way you would from a scam call. Don't enter sensitive information anywhere unless you're sure it's safe. If you're uncertain about an email, reach out to the sender using an email from their official website. You should have no trouble finding a point of contact for customer support.

4. Classic mail theft

The Scam:Thievessteal mailto access sensitive information that could be used to open credit cards. You might be particularly at risk if you receive paper bank and credit card statements, which often include account numbers and other details best kept private. Unfortunately, this scam is fairly common-- in 2016 alone, the US Postal Service received more than60,000 reports of attempted mail theft, and many of these incidents presumably go unreported.

The Solution:By now, this should sound familiar: pay attention to your credit reports and financial accounts to identify abnormal activity ASAP. If you receive mail containing sensitive information frequently, get a PO box or a locking mailbox to fend off potential thieves. Try to reduce the amount of paper mail you're getting, too. Banks almost universally offer emailed statements to cut down on paper waste, and they may be equally beneficial for your peace of mind.

Related:The 9 Weirdest and Craziest Crimes and Heists

5. Public Wi-FI scams

The Scam: It's never a good idea to log in to a bank account or conduct a financial transaction on an unsecuredpublic Wi-Fi hotspot. Websites with HTTPS certificates, which are marked as secure, protect your information with encryption, but any website whose domain reads only HTTP lays any information you submit bare to prying eyes.

Another common Wi-Fi-related scam involves hackers creating a Wi-Fi access point with a similar name to an official hotspot in order to dupe visitors. Such hotspots are typically set up to let the operator view the information that travels between connected devices and the access point.

The Solution:Save account logins and online purchases for your home Wi-Fi connection. Likewise, check up with an employee to ensure you're connected to the appropriate access point. Need to deal with an urgent expense? Consider using avirtual credit card. Essentially a disposable alternative to your real-deal credit card, a virtual credit card serves a similar function without placing your account details at risk.