How do you tell if a scammer is texting you?

Written by Admin | Last Updated: July 2026

Determining if your debit card has been compromised requires regular monitoring of your account activity. The first and most obvious sign is the presence of unauthorized transactions, even for very small, odd amounts, which scammers often use to test if a card is active before making larger purchases. You should set up real-time transaction alerts through your bank's mobile app or website so that you receive an instant notification for every purchase made with your card. If you notice any activity that you did not authorize, contact your bank’s fraud department immediately. Other signs include being notified of a balance discrepancy or receiving statements for transactions at locations you have never visited. If your card is physically with you but you receive a notification that it was used in another city or country, this is a clear sign of data compromise. Additionally, if your bank contacts you to verify a "suspicious" transaction, treat this with care—verify the alert by calling the number on the back of your card, not the number provided in a suspicious text or email. Prompt action is the most effective way to limit your financial loss, as reporting unauthorized activity quickly is the best way to ensure you are protected under federal law from liability for fraudulent transactions.

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