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Home > Identity Theft

What is Identity Theft?

Identity theft, or Identity fraud, is a crime in which the personal information you have embedded in your credit and debit cards is hijacked by someone using a credit card reader. Assuming your stolen identity, the thief may then make expensive purchases, take out loans, obtain a passport, collect your pension or superannuation benefits, and many other illegal activities. And you won’t even know it’s happened until it’s too late.

You could be left financially ruined, or charged for a crime you did not commit.

And if you think it will all be covered by insurance, think again.

While credit card companies and banks are usually pretty quick to reverse charges in stolen identity cases, you won’t be covered against non repayment of loans taken out in your name. Plus for a day or so you’ll suffer the inconvenience and stress of not having access to your funds.

Having your stolen identity fully restored can take weeks, months and even years. It will certainly take a lot of time and effort on your part. Victims of identity theft say it is something they never want to go through again and their credit status is never quite the same again.

WHAT IS SKIMMING?

Skimming is the means by which identity thieves glean your personal details from credit and debit cards. No problem, you say, you never let your credit cards out of your sight. You don’t have to. With the advent of new ‘touch and go’ cards, those with concealed skimming devices can ‘lift’ your details from as far away as 70cm; in other words, just by walking past. And skimming is becoming easier and more frequent – there’s even an app that can turn a smartphone into a credit card reader. However with a ScanGuard sleeve protecting your cards, you have nothing to fear from card skimming.

Have a look at the YouTube clip here to see how easily it’s done.