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Advice from fraud specialist who files debit card swindling claims all day

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Advice from fraud specialist who files debit card swindling claims all day

While different types of fraud can bring their own elements of frustrations and consequences, debit card fraud can leave your bank account empty almost immediately and be hard to recover from.

That’s why we are so grateful to Brenda, from Orange Park, Florida, who is a debit fraud specialist, and shared her incredible knowledge and insight to protect you from debit card fraud.

CLICK TO GET KURT’S FREE CYBERGUY NEWSLETTER WITH SECURITY ALERTS, QUICK VIDEO TIPS, TECH REVIEWS AND EASY HOW-TO’S TO MAKE YOU SMARTER

Woman at ATM (Kurt “CyberGuy” Knutsson)

Navigating debit card safety: Do’s and don’ts for smart financial management

As someone who processes debit fraud claims daily, and luckily has never experienced it herself, below are the top do’s and don’ts of debit card use from Brenda and us.

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1) Safest way to use your debit card: Use your debit card to withdraw money from your own financial institution’s ATM or teller. Preferably transfer larger amounts of money out of a checking account into high-yield savings accounts so that your money isn’t readily available in large sums in a checking account.

2) Why credit cards are generally better for purchases: Don’t use your debit card to make regular or frequent purchases. It is better to use a regular credit card for those transactions. It leaves you less exposed to potential debit card fraud. If a scammer gets a hold of your credit card, it is easier to freeze that card, cancel it or get a new one issued. If your debit card or debit card number gets compromised, you could lose all your cash in your checking account.

Person using phone to make purchase (Kurt “CyberGuy” Knutsson)

MORE: WHAT TO DO IF YOUR BANK ACCOUNT IS HACKED

3) Consider using mobile wallets for convenience and security: If you must use your debit card to make regular purchases, add it to your smartphone wallet (like Apple Pay or Google Pay) and use it that way instead of swiping your debit card. Not being swiped likely prevents your card from being skimmed

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4) Protecting your PIN is crucial: Do not write your PIN down on your card or a piece of paper in your wallet.

5) Recurring payments aren’t affected by locking your card: Even if you have recurring payments for bills such as utilities, they usually can still be made if your debit card is locked. When a debit card is locked, single transactions aren’t allowed.

6) Don’t share your debit card: Your debit card is a legal agreement between you and your financial institution. Letting anyone else use your card, even family, may jeopardize your ability to be compensated for fraudulent transactions. Your child accidentally purchasing something with your debit card saved on your mobile app is not considered fraud.

7) Financial reimbursement might not be immediate: While some financial institutions will reimburse fraudulent transactions, they may not be fast enough to cover checks, e-checks or recurring financial transactions. You’d likely be at risk of incurring overdraft fees, non-sufficient funds or late charges from your financial institutions, creditors or merchants – all of which would be costly.

8) Enable alerts to catch fraudulent activity quickly: Most financial institutions offer financial alerts or restrictions for all transactions on checking accounts and cards. Use them so you can be notified of any fraudulent transactions immediately. The faster you can report these charges to your financial institution, the more likely you are to stop scammers in their tracks.

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Couple who learned about debit card fraud (Kurt “CyberGuy” Knutsson)

MORE: HOW CROOKS ARE USING SKIMMERS, SHIMMERS TO STEAL YOUR MONEY AT YOUR ATM

How to prevent debit card fraud?

Here are additional steps you can take to help you prevent crooks from gaining access to your debit card:

Keep your card safe physically: Store your debit card in a secure place when not in use. Don’t write down your PIN or keep it with your card. Be cautious when using your debit card in public places and shield your PIN when entering it.

Use strong PINs: Choose a unique and strong PIN that isn’t easily guessable. Avoid using numbers like your birth date, address or easily recognizable sequences. Don’t share your PIN with anyone.

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Create strong, unique passwords: for your accounts and devices. Avoid using the same password for multiple online accounts. Consider using a password manager to securely store and generate complex passwords. It will help you to create unique and difficult-to-crack passwords that a hacker could never guess.

Use biometric authentication: Consider using biometric authentication (fingerprint, facial recognition) if your device supports it. This can provide an extra layer of security and convenience for you.

Regularly review your transactions: Frequently monitor your bank statements and transaction history for any authorized or suspicious transactions. Set up account alerts for large transactions or any activity that falls outside your normal spending patterns.

Use secure networks: Avoid using public Wi-Fi networks for sensitive transactions. Public Wi-Fi networks are often unencrypted and vulnerable to hackers who can intercept your data or infect your device with malware.

Use a Virtual Private Network (VPN): When accessing your financial accounts over public networks, you should use a VPN. We recommend using a VPN to protect against hackers snooping on your device as well. VPNs will protect you from those who want to track and identify your potential location and the websites that you visit. See my expert review of the best VPNs for browsing the web privately on your Windows, Mac, Android & iOS devices.

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Beware of phishing scams: Be cautious of unsolicited emails, texts or calls asking for your debit card information or login credentials. It could be a phishing scam. Never click on suspicious links or images or download attachments from unknown sources.

Have good antivirus software on all your devices: Keeping hackers out of your devices can often be prevented when you have good antivirus protection installed on all your devices. Having antivirus software on your devices will help make sure you are stopped from clicking on any known malicious links, attachments or images that may install malware on your devices, allowing hackers to gain access to your personal information. Find my review of Best Antivirus Protection here.

Regularly update your software: Keep your computer, smartphone and other devices updated with the latest security patches and updates.

Use two-factor authentication (2FA): If your bank offers two-factor authentication, enable it. This adds an extra layer of security by requiring a second form of verification in addition to your password.

Use secure ATMs: Whenever possible, use ATMs that are located in well-lit and secure areas. Avoid ATMs that appear tampered with or have suspicious devices attached to them or point-of-sale terminals.

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A woman taking money out of her account using ATM (Kurt “CyberGuy” Knutsson)

MORE: WHY YOU SHOULD NEVER CARRY THESE THINGS IN YOUR WALLET

Regularly monitor your credit reports: Check your credit reports for any unusual activity that might indicate fraud or identity theft. If you find any errors or discrepancies on your credit reports, contact the credit bureaus and the creditors involved as soon as possible to dispute them.

Consider debit card controls and mobile apps: Some banks offer apps that allow you to turn your card on or off instantly, set spending limits and receive notifications for transactions.

Make purchases from trusted sites: Only use reputable and secure websites for online shopping and payments. Look for a padlock symbol in the address bar before entering your card details.

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What to do if you are a victim of debit card fraud?

Contact your bank immediately

Report the fraudulent transactions and request to freeze or cancel your debit card. Your bank will investigate the fraud and may issue you a new card and a refund. Depending on your bank’s policy, you may have to file a written claim or a police report to support your case.

Review your bank statements and credit reports

Check for any other unauthorized charges or suspicious activity on your accounts. You can also get a free copy of your credit report from each of the three major credit bureaus once a year at AnnualCreditReport.com. If you find any errors or signs of identity theft, dispute them with the credit bureau and the creditor.

Use identity theft protection

Identity theft protection companies can monitor personal information, like your home title, Social Security number, phone number and email address, and alert you if it is being sold on the dark web or being used to open an account. They can also assist you in freezing your bank and credit card accounts to prevent further unauthorized use by criminals.

The great part of some identity theft companies is that they often include identity theft insurance of up to $1 million to cover losses and legal fees and a white-glove fraud resolution team where a U.S.-based case manager helps you recover any losses. See my tips and best picks for best identity theft protection.

Kurt’s key takeaways

Though many people use debit cards as they would use their credit cards, there is a whole world of problems that can occur with your debit card if it falls in the wrong hands. Having your debit card information stolen or compromised doesn’t just jeopardize your credit line, it may mean all the money in your account can disappear. If you treat your debit card like a signed, blank check, you’d likely leave it somewhere safe at home.

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Considering the potential downsides of debit cards, do you see a future where they become less common due to security concerns? Let us know by writing us at Cyberguy.com/Contact.

For more of my tech tips & security alerts, subscribe to my free CyberGuy Report Newsletter by heading to Cyberguy.com/Newsletter.

Ask Kurt a question or let us know what stories you’d like us to cover.

Answers to the most asked CyberGuy questions:

Copyright 2024 CyberGuy.com. All rights reserved.

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Polymarket defends its decision to allow betting on war as ‘invaluable’

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Polymarket defends its decision to allow betting on war as ‘invaluable’
It might be World War III, but at least I won $20. | Image: Polymarket / The Verge

Polymarket has been allowing people to bet on when the US would strike Iran next. Obviously, now that it’s actually happened and people have died, the prediction betting market is feeling some pressure. The site has been at the center of controversy before, including suspicions of insider trading on the Super Bowl halftime show and the capture of Venezuelan President Nicolás Maduro.

In a statement posted on its site, Polymarket defended its decision to allow betting on the potential start of a war, saying that it was an “invaluable” source of news and answers, before taking shots at traditional media and Elon Musk’s X. The statement reads:

Read the full story at The Verge.

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Google dropped dark web monitoring: Should you care?

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Google dropped dark web monitoring: Should you care?

NEWYou can now listen to Fox News articles!

Google has officially discontinued its Dark Web Report feature, a free tool that once scanned known dark web breach dumps for personal information tied to a user’s Google account. The service delivered notifications when email addresses and other identifiers appeared in leaked datasets.

According to Google’s support page, the system ceased scanning for new dark web data Jan. 15, 2026, and the reporting function was removed entirely on Feb. 16, 2026, meaning users can no longer access the feature.

The company said the decision reflects a shift toward security tools it believes provide clearer guidance after exposure, rather than standalone scan alerts.

If you previously relied on the free dark web scan as an early warning signal for leaked data, this change removes one of your sources.

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Google officially ended its Dark Web Report tool, removing free breach alerts tied to user accounts. (Kurt “CyberGuy” Knutsson)

So what did users really lose?

Google’s Dark Web Report acted as a basic exposure scanner. It checked whether personal information linked to a Google account had surfaced in known breach collections circulating on the dark web.

When a match is found, users receive a notification identifying which type of data appeared in a leak. Depending on the data breach, that could include an email address, phone number, date of birth or other identifying details commonly harvested during large-scale hacks.

The report did not display stolen credentials or provide access to the leaked database itself. It also did not trace the origin of the compromise beyond referencing the breached service when available.

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After an alert was issued, the next steps were left to the user. Google recommended actions such as changing passwords, enabling stronger authentication methods and reviewing account security settings. With the tool now removed, that automated breach check tied directly to a Google account is no longer available.

What you still have access to

Google directs users to its Security Checkup, a dashboard that scans your account for weak settings and unusual sign-in activity.

Its built-in Password Manager includes Password Checkup, which scans saved credentials against known breach databases and prompts you to change exposed passwords. Google also supports passkeys and two-factor verification to lock down account access.

The Results About You tool lets users search for personal information in Google Search and submit removal requests for certain publicly indexed details.

149 MILLION PASSWORDS EXPOSED IN MASSIVE CREDENTIAL LEAK

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Without the automatic scan, users must now check for leaked data using other security tools. (iStock)

Alerts don’t always mean protection

Once personal information is compromised, it often ends up far beyond the breach itself. Stolen credentials and identity data are regularly trafficked on underground platforms where buyers can search for information tied to real people.

The BidenCash dark web marketplace was taken down by U.S. authorities in June 2025, and the Justice Department confirmed that the platform peddled stolen personal information and credit card data.

These illicit markets operate with a level of organization not unlike legitimate online stores. Search tools and bulk data sets are up for grabs and can be used to target any online account. This makes credential stuffing easier, where attackers test leaked passwords across multiple services in hopes of barreling into your account.

A breach alert tied to a dark web scan points to a leak at one moment in time; it does not follow whether that information has been sold to third parties or used in subsequent fraud attempts. For everyday users, this means that just knowing your data appeared in a leak doesn’t help much.

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THINK YOUR NEW YEAR’S PRIVACY RESET WORKED? THINK AGAIN

Stolen personal information can circulate for years, making ongoing monitoring more important than a one-time alert.  (Kurt “CyberGuy” Knutsson)

Identity monitoring may be a better option

With Google’s scan gone, some people may consider dedicated identity protection services instead. Many of these services offer continuous monitoring of your personally identifiable information and send alerts about changes to your credit reports from all three major U.S. credit bureaus. That can include notifications about new inquiries, newly opened accounts and monthly credit score updates. Some plans also monitor a broader range of personal identifiers, such as driver’s license numbers, passport numbers and email addresses.

Beyond credit monitoring, certain services track linked bank, credit card and investment accounts for unusual activity. They may also monitor public records for changes to addresses or property titles and alert you if your information appears in those filings.

Many providers include identity theft insurance to help cover eligible out-of-pocket recovery costs. Coverage limits vary by plan and provider. Additional features often include spam call and message protection, a password manager, a virtual private network (VPN) and antivirus software.

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No service can prevent every form of identity theft. However, ongoing monitoring and recovery support can make it easier to respond quickly if your information is misused.

See my tips and best picks on Best Identity Theft Protection at Cyberguy.com.

Kurt’s key takeaways

Google’s decision to drop its Dark Web Report may seem small. But it removes a tool many users relied on. For some, those alerts were the first warning that their data appeared in a breach. That automatic scan is now gone. Google still offers Security Checkup, Password Checkup, passkeys and two-step verification. However, none of them actively scan dark web breach dumps for you. Stolen data does not disappear. Criminals copy, sell and reuse it. One alert shows a single moment. Ongoing identity theft monitoring helps you stay aware over time.

Now that Google has dropped its dark web monitoring feature, will you actively check your data exposure or assume someone else is watching it for you? Let us know your thoughts by writing to us at Cyberguy.com

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Copyright 2026 CyberGuy.com. All rights reserved.

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Xiaomi 17 is a small(ish) phone with a big(ish) battery

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Xiaomi 17 is a small(ish) phone with a big(ish) battery

Xiaomi has just given a global launch to two of its latest flagship phones, the Xiaomi 17 and 17 Ultra, along with a Leica-branded Leitzphone edition of the Ultra. There’s no sign, however, of the 17 Pro, which launched in China with an additional display mounted next to the rear cameras.

The 17 and 17 Ultra will apparently be available soon in the UK, Europe, and select other markets. The 17 — pitched as a rival to the likes of the iPhone 17 and Samsung Galaxy S26 — will cost £899 / €999 (about $1,200), while the larger and more capable Ultra starts from £1,299 / €1,499 ($1,750). The limited-edition Leitzphone will be substantially more expensive at £1,699 / €1,999 ($2,300), though it includes 16GB of RAM and 1TB of storage, along with a few extra accessories.

I like the simple, sleek aesthetic of the phone.
Photo of Xiaomi 17 homescreen on a wooden table outdoors

The 6.3-inch display isn’t tiny, but it does make the phone small by modern standards.
Closeup on Xiaomi 17 rear camera

All three of the phone’s rear cameras are 50-megapixel.

The 17 is an extremely capable small-ish flagship, with a 6.3-inch OLED display, Qualcomm Snapdragon 8 Elite Gen 5, and large 6,330mAh silicon-carbon battery (though sadly smaller than the 7,000mAh version launched in China). I won’t be writing a full review of the 17, but did spend a week using it as my main phone, and found that the battery cruised past the full-day mark, though wasn’t quite enough for two full days of my typical usage. That’s far better battery life than you’d find in similarly sized phones from Apple, Samsung, or Google.

The cameras impress too, with 50-megapixel sensors behind each of the four lenses, selfie included. Pound for pound, you won’t find many better camera systems in any phone this size.

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1/10

I’ve been largely impressed by the Xiaomi 17’s cameras.

The Ultra, unsurprisingly, takes things to another level. It’s much larger, with a 6.9-inch display, and weighs a hefty 218g. Despite that, the 6,000mAh is actually smaller, though I found it delivered pretty similar longevity.

Photo of Xiaomi 17 and 17 Ultra on a table, closeup on the cameras

The 17 Ultra is larger in just about every respect, but strangely has a smaller battery.

The enormous camera is, as ever for Xiaomi’s Ultra phones, the highlight. There are 50-megapixel sensors for each of the main, ultrawide, and selfie cameras, with a large 1-inch-type sensor behind the primary lens. The periscope telephoto is even more impressive: 200-megapixel resolution, a large 1/1.4-inch sensor, and continuous optical zoom from 3.2x to 4.3x, the equivalent of 75-100mm. Xiaomi isn’t the first to pull off a true zoom phone — Sony’s Xperia 1 IV got there first in 2022 — but the telephoto camera here is far more capable than that phone’s, with natural bokeh and impressive performance even in low light.

Photo of Xiaomi 17 Ultra Leitzphone outdoors

This is the Leica-branded Leitzphone version of the 17 Ultra.

The camera capabilities are supported by Xiaomi’s ongoing photography partner Leica, but it’s the pair’s Leitzphone that really emphasizes that. Slightly redesigned from the 17 Ultra Leica Edition that was released in China last December, this includes Leica branding across the hardware and software, a range of Leica filters and shooting styles, and a rotatable rear camera ring that can be used to control the zoom. It’s the first Leica Leitzphone produced by Xiaomi — after a trio of Japan-only Sharp models — and comes with additional branded accessories, including a case with a lens cap and a microfiber cleaning cloth.

Xiaomi has plenty of other announcements alongside the 17 series phones at MWC this year, including a super-slim magnetic power bank, the Pad 8 and Pad 8 Pro tablets, and a smart tag that supports both Google and Apple’s tech-tracking networks.

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Photography by Dominic Preston / The Verge

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