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Credit card cloning is a form of electronic theft that can occur easily when using a credit or debit card at locations such as ATMs, gas stations, supermarkets, or banks. This type of fraud is prevalent in the United States and is rapidly spreading to other countries.



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A card is duplicated when a criminal uses a small handheld device known as a "skimmer" to capture the electronic serial number and account details from a card’s magnetic stripe. The continued use of traditional magnetic stripe technology is due to its affordability and convenience for both consumers and retailers. Replicating cards and making purchases with cloned cards is relatively simple. Many customers only become aware that they have been victims of card cloning when their legitimate purchase attempts are declined or when they find themselves involved in fraudulent activities such as mail-order, online, or telephone credit card fraud, as merchants using these systems often lack the necessary data verification capabilities at the point of sale.



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