1. Watch your back. In line at the grocery store, I’ll hold my phone like I’m looking at the screen and snap your card as you’re using it. Next thing you know, I’m ordering things online – on your dime.
2. Check your bank and credit card balances at least once a week. I can do a lot of damage in the 30 days between statements.
3. If a bill doesn’t show up when it’s supposed to, don’t breathe a sigh of relief. Start to wonder if your mail has been stolen.
4. That’s me driving through your neighborhood at 3am on trash day. I fill my trunk with bags of garbage from different houses, then sort later.
5. You throw away the darnedest things – preapproved credit card applications, old bills, expired credit cards, checking account deposit slips, and crumpled-up job or loan applications with all your personal information.
6. If you see something that looks like it doesn’t belong on the ATM or sticks out from the card slot, walk away. That’s the skimmer I attached to capture your card information and PIN.
7. I use your credit cards all the time, and I never get asked for ID. A helpful hint: I’d never use a credit card with a picture on it.
8. I can call the electric company, pose as you, and say, “Hey, I thought I paid this bill. I can’t remember – did I use my Visa or MasterCard? Can you read me back that number?” I have to be in character, but it’s unbelievable what they’ll tell me.
9. Thanks for using your debit card instead of your credit card. Hackers are constantly breaking into retail databases, and debit cards give me direct access to your banking account.
10. Love that new credit card that showed up in your mailbox. If I can’t talk someone at your bank into activating it (and I usually can), I write down the number and put it back. After you’ve activated the card, I start using it.
Source: Former identity thieves in Kentucky, Indiana, Virginia, and New York
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