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Protect your credit card details from scammers

Check out our safety tips to protect yourself against credit card fraud.

By Trust and Safety 1 September 2023

Be vigilant when giving out your credit card details.

Sadly, credit card fraud happens all the time. People find lost cards in Ubers, in bars, at the beach, or on the bus – and quickly take advantage.

If you've lost your card

Contact your bank or block your card from your banking app. The sooner, the better.

If you've lost your phone too, visit your bank's nearest branch as soon as you can, or borrow someone's phone to call them.

This protects you, the bank and unsuspecting merchants who unknowingly sell goods to fraudsters.

Keep it close

Some people actively try to steal credit card information, so hold onto your card at all times. Even when paying for something.

This means you don't allow a salesperson, bar or restaurant worker, or tradesperson to get your card details. They only need your card for a few seconds to take a photo of your full card number, expiry, CVV number, name and signature.


Skimming is used to steal a large volume of card numbers.

Skimmers are normally installed on ATMs or a point-of-sale terminal. They can scan the data on your card, taking information about the card and account, and either using it, or selling it on the dark web.

It's important to keep an eye out when using an ATM. Check for any loose or mismatched slots or keypads as these can be tampered with to steal your details.

Protecting your details

Most businesses have modern websites that will often offer an online checkout or payment service.

Businesses taking card payments must follow strict security standards set by Visa, MasterCard and other international regulatory organisations.

This means that card details must be stored securely and can't be accessed by staff.

Never your credit card details out over the phone. You never know who can hear the call on either end of the line.

On Trade Me

We strongly recommend that buyers pay with Ping.

Ping protects both buyers and sellers by protecting against fraudulent purchases. Transactions are monitored by our fraud team, who are trained to spot fraudulent payments.

Sometimes, we'll get in touch with members to make sure they've authorised a transaction on their card.

If we contact you to verify a credit card payment, know that we're looking out for you or the cardholder whose card you have used.


Trust and Safety
Trust and Safety