FROM TAP TO TRAP — How Thieves Target Your Credit Cards
Learn how R23 Law’s Consumer Protection Attorneys help victims of fraud restore their credit and take legal action
Credit card fraud is one of the most common forms of identity theft — and it can happen to anyone. Whether through phishing scams, data breaches, or card skimming, criminals are constantly finding new ways to steal cardholder information and make unauthorized purchases.
At R23 Law, our California Consumer Protection Attorneys work with victims of credit card fraud to resolve account disputes, correct damaged credit reports, and hold responsible parties accountable. If you believe your card has been compromised, don’t wait — learn what steps you can take now to protect yourself and what to do if you’ve already become a victim.
Common Types of Credit Card Fraud
Fraud can happen both online and in-person. Some of the most frequent methods include:
Data Breaches
Hackers gain access to massive databases containing credit card numbers, addresses, and account details. If you've ever used your card on a compromised website or payment portal, you may be at risk.
Phishing Scams
Scammers send fake emails or texts that appear to be from your bank or card issuer, asking you to verify account information. These are designed to trick you into clicking a malicious link or entering personal details.
Card Skimming
Thieves install devices at ATMs or gas station terminals to capture your card data. Once skimmed, your card can be cloned and used without your knowledge.
How to Prevent Credit Card Fraud
Worried about becoming a victim? Here are smart steps to take today:
Enable Purchase Alerts
Set up automatic notifications through your bank or credit card provider. You'll receive instant alerts when charges exceed a certain amount — giving you the chance to act fast.
Use Contactless Payment
When available, opt for tap-to-pay technology instead of inserting or swiping your card — it’s harder for criminals to intercept.
Protect Your PIN
Be aware of "shoulder surfing" at ATMs or point-of-sale machines. Always cover your keypad when entering your PIN.
Don’t Store Credit Card Info Online
Many websites offer to “remember” your card for future purchases. Avoid this option and manually enter your information each time for better security.
What to Do If You’re a Victim of Credit Card Fraud
If unauthorized charges show up on your account:
Contact your card issuer immediately to report and block the card.
Dispute the charges and request an investigation.
Check your credit report for any related fraudulent activity.
Contact R23 Law to review your legal options — especially if credit reporting errors or damages have resulted from the fraud.
How R23 Law Helps Credit Fraud Victims
When credit card fraud affects your credit report, financial standing, or peace of mind, legal intervention may be necessary. At R23 Law, our attorneys will help you:
Dispute fraudulent accounts or charges on your credit report
Hold creditors and credit bureaus accountable under the Fair Credit Reporting Act (FCRA)
Recover compensation for damages caused by identity theft
Take legal action against negligent data handlers or merchants, if applicable
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Contact R23 Law Today
If you've been targeted by credit card fraud, don’t face the aftermath alone. Our experienced R23 Law California Consumer Protection Attorneys are here to help.
📞 310-598-1588
📩 Schedule your free consultation
📚 Learn more about R23 Law
Let us help you take control of your credit, recover losses, and hold wrongdoers accountable.
