Casino Debit and Credit Card Fraud

Casino Debit and Credit Card Fraud
Published: Mar, 04 2024
6 mins read
Casino Debit and Credit Card Fraud

Debit and credit card fraud cause significant financial losses globally each year, amounting to billions of dollars. This remains a major concern for financial institutions and the general public. You should be careful when sharing personal and financial details with online casinos and only use licensed sites. However, even that sometimes is not enough to protect yourself from casino debit and credit card fraud. In this article, I am going to tell you how not to become a victim of fraudsters while gambling. Spend a couple of minutes reading this article to save your finances in the future.

What Is Credit/Debit Card Fraud?

Casino debit and credit card fraud is when people use stolen or fake cards to cheat at casinos. There are two primary motives behind fraud: 

  • Using someone else’s money to buy things or services
  • Trying to move money into the criminal’s account

Broadly speaking, debit/credit card fraud can be classified into two main types: fraud with an actual physical card and fraud with no physical card.

Fraud With Actual Physical Card

This happens when someone gets unauthorized access to the card or its information and uses it for fraud.

Stolen Cards

Criminals steal debit or credit cards from people, for example, through pickpocketing.

Lost Cards

Lost cards can be used for fraud if found by someone with bad intentions. However, all cards have PIN codes. That’s why stolen cards can only be used for small illegal transactions that don’t need verification.

Counterfeit Cards

Fraudsters can make fake cards using stolen card details from data breaches.


Criminals use a small device called a skimmer to steal credit or debit card information. They attach this device to card readers like those on ATMs, gas pumps, or cash registers. When a card is used, the skimmer grabs the card’s data from its magnetic stripe. Criminals then use this stolen information to make fake cards or buy things online.

Card Cloning

Fraudsters copy the card’s information onto a blank card, then use it for fraud.Card cloning has become more common lately. However, it can’t beat security features like PIN numbers or chip cards.

Fraud With No Physical Card

This fraud happens when someone’s card details are stolen, but the actual card isn’t used. Here are examples of card fraud without a physical card.

Transactions Without the Physical Card

Fraudsters use stolen card information to buy things online, over the phone, or through mail orders without having the actual card.

Identity Theft

Criminals steal personal and card details to open fake accounts or make transactions in the victim’s name.

Account Takeover

This happens when fraudsters get into a person’s online bank or payment accounts without permission and make fake transactions without using the physical card.

Be careful when  you share personal information online. Fake websites, such as fraudulent online casinos, may ask for your details for illegal activities. Spyware may obtain your information from a trusted site or search your computer for sensitive payment details.

Online Casino and Card Fraud

Scammers steal card information and conduct unauthorized transactions through online casinos. Another tactic is when  they create fake casino websites that seem real, with attractive promotions to draw in players. After players deposit money, these fake casinos disappear and don’t respond to complaints. Be cautious of new online casino sites, especially when you are invited to join them by email. 

Some online casinos are legit and licensed but lack proper security to safeguard customers. They may suffer data breaches. Cybercriminals access casino’s databases with customer info, including card details. Once fraudsters get card info, they can use it for unauthorized purchases, withdrawals, or funding other fraudulent accounts. Victims might not realize they’ve been scammed until they see unauthorized transactions on their bank statements.

Tips To Avoid Becoming a Victim of Card Fraud at Online Casinos

Here are tips to avoid card fraud at online casinos. Follow them to lower your risk of being a victim when you play online.

  • Stick to reputable and licensed online casinos. Here is a list of such trustworthy options. (ccылка на страницу с онлайн казино)
  • Verify that the website uses encryption to protect your personal and financial information.
  • Be cautious of emails or messages that claim to be from online casinos. Do not click on links, unless you are sure of the person or organization that sends it.
  • Opt for secure payment methods such as credit cards or e-wallets that offer additional fraud protection and dispute resolution options.
  • Regularly review your bank and credit card statements for any unauthorized transactions. Report any unusual activity to your bank right away. Also turn on banking alerts as it is the best way to prevent fraud.
  • Go paperless and delete unnecessary emails related to your transactions.
  • Where available, enable two-factor authentication for your online casino accounts.
  • Keep your operating system and web browser updated with the latest security patches and  use antivirus software.
  • Public Wi-Fi networks may not be secure. So, do not make transactions or access sensitive information while connected to public Wi-Fi networks.
  • Create strong, unique passwords for your online casino accounts and avoid using the same password on more than one  platform.
  • Destroy inactive cards to ensure old details and data are no longer accessible.
  • If something seems suspicious or too good to be true, trust your instincts.

Are Fraud Cases Investigated by Banks?

When a customer reports credit or debit card fraud, banks typically investigate the claim. They gather evidence, and after about 90 days, the bank decides on the validity of that claim. If approved, the customer receives a chargeback for their losses. Most banks will reimburse funds lost to scams, but they may refuse if the customer is found to have been grossly negligent with their account security. For example, if the customer has shared their PIN or password.

Support for Fraud Victims

If you’ve been a victim of card fraud at an online casino, here’s what to do.

Contact Your Bank 

Immediately notify your bank about fraud. They can freeze your account to prevent further unauthorized transactions and explain to you how to  dispute the charges. Act quickly because  that increases the likelihood of recovering any lost funds.Your account will remain frozen until the bank confirms it’s safe from unauthorized transactions.

Dispute the Charges

Your bank may have a specific process for handling disputes. You will have to fill out forms and provide proof of the fraudulent activity.

File a Police Report

In some cases, especially if you have lost a large amount of money, you should consider filing a police report. This is also a way to obtain additional documentation of the fraud that you can present to your bank’s staff as part of the dispute process.

Inform the Online Casino

They might have security measures to investigate and prevent similar incidents. They could also  help you to resolve the problem.

Monitor Your Accounts

Keep a close eye on your bank and credit card statements for any further unauthorized activity. Report any suspicious charges immediately to your bank.

Check Your Online Security.

Improve your online security to stop future fraud. Use strong, unique passwords for each account, activate two-factor authentication if possible, and think twice before sharing personal or financial details online.

If the fraud caused significant financial harm or if you believe the online casino failed to protect your information, consider seeking legal advice. Before proceeding further, ensure that you complete the fraud claim and complaint procedures with your bank.

Fraudsters keep changing their tactics to avoid being caught. So, while most cases of credit card fraud are found and dealt with quickly, some may slip through undetected. I hope you never fall for the tricks of scammers. But if it happens, act immediately and notify all casino services where the fraud occurred, as well as the police, bank, or your payment service. This is the only way we can all work together to effectively combat scammers and create a safe online environment, including for gambling.

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