Never Use Your Debit Card at These 5 Places — Your Money Could Be at Risk!

Kokila Chokkanathan
Using a debit card is convenient, but it comes with risks if used in the wrong places. Fraudsters are always on the lookout, and one careless swipe could drain your bank account. Here are five places where you should think twice before using your debit card.

1. Unfamiliar ATMs

Using ATMs in remote or untrusted locations increases the risk of:

  • Skimming devices that copy your card info
  • Hidden cameras capturing your PIN
Potential Loss: Fraudsters could steal anywhere from ₹5,000 to ₹50,000 in minutes.
Tip: Use ATMs at banks or well-lit, crowded areas, and always cover your PIN.

2. Online Sites Without HTTPS

Shopping on websites that don’t have a secure HTTPS connection puts your debit card at risk. Fake or unsecured sites can capture your card number, CVV, and expiry date.

Potential Loss: Online theft can result in charges of tens of thousands of rupees in seconds.
Tip: Always check for the padlock icon in the browser and avoid saving card details.

3. Unverified Food Delivery or Recharge Apps

Many unofficial apps offer tempting discounts but aren’t regulated. Your card info could be misused.

Potential Loss: Small transactions can add up — even ₹1,000–₹5,000 per month lost without notice.
Tip: Use trusted apps with proper ratings and verify the payment gateway.

4. Small local Shops Without Card Machines

Sometimes, local vendors write down your card info to process payments manually. This can lead to:

  • Fake transactions
  • Unauthorized duplication of card details
Potential Loss: Could be hundreds to thousands of rupees depending on misuse.
Tip: Prefer contactless payments or verified POS machines.

5. Public Wi-Fi Connections

Using your debit card on public Wi-Fi hotspots — cafes, airports, or hotels — is risky. Hackers can intercept data if the connection is unsecured.

Potential Loss: Entire card information can be stolen and misused online. Losses can be very high, sometimes exceeding ₹50,000.
Tip: Avoid entering debit card info on public networks; use VPNs for extra security.

💡 Extra Safety Tips

  • Enable SMS/Email alerts for all transactions
  • Set daily transaction limits
  • Never share PIN or OTP with anyone
  • Regularly check your bank statements
Bottom Line

Your debit card is convenient but vulnerable. Avoid using it at untrusted ATMs, unsecured online sites, unverified apps, local shops without POS, and public Wi-Fi. A few precautions now can save you from thousands of rupees in potential losses.

 

Disclaimer:

The views and opinions expressed in this article are those of the author and do not necessarily reflect the official policy or position of any agency, organization, employer, or company. All information provided is for general informational purposes only. While every effort has been made to ensure accuracy, we make no representations or warranties of any kind, express or implied, about the completeness, reliability, or suitability of the information contained herein. Readers are advised to verify facts and seek professional advice where necessary. Any reliance placed on such information is strictly at the reader’s own risk.

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