Technology
Don’t let this credit card fraud nightmare happen to you
Credit card fraud has been on the rise in recent years.
The Federal Trade Commission’s most recent database indicates that 416,582 cases of credit card fraud were reported in 2024, making it one of the most common forms of identity theft. You know you’ve been a victim of this fraud when you notice unauthorized transactions on your credit card bill.
These transactions are usually below $100 to avoid detection. However, sometimes they can exceed $1,000. One such incident happened with Martin from Martinsville, Virginia, when he was randomly charged $1,095 in Hong Kong.
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“Hello, I recently received a fraud alert from my credit card company that said that there was a $1,095 charge on my credit card in Hong Kong. I use my iPad and Safari browser to buy online. Can you please explain how this could happen? By the way, my credit card company canceled my credit card and will send me a new Mastercard in the mail, and I’m not responsible for the charges on my credit card. What can I do in the future to prevent this from happening again?”
I’m sorry to hear about the fraudulent charge on your credit card, Martin. It’s good that your credit card company is handling it and that you’re not responsible for the charges. For future reference, I’ll be discussing how this could have happened and how to stay safe.
A woman using her credit card to shop online (Kurt “CyberGuy” Knutsson)
How credit card fraud happens
Credit card fraud can happen in several ways, often without you even realizing it. One common method is when fraudsters get hold of your card information through data breaches at online stores or banks, which means your details get leaked without your knowledge.
Another sneaky tactic is phishing, where scammers trick you into giving away your card info by posing as legitimate companies via emails or fake websites.
There’s also the risk of “card skimming,” where devices at ATMs or gas stations secretly capture your card details when you swipe it. In some cases, fraudsters might also exploit weak security on public Wi-Fi networks or compromised apps to access your information while you’re shopping online.
A man using his credit card to shop on his phone (Kurt “CyberGuy” Knutsson)
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Credit card fraud is way too common
A report from Security.org reveals that 52 million Americans experienced credit card fraud in 2023, a figure even higher than the one reported by the FTC. With four out of five American adults owning at least one credit card, the report found that three in five cardholders have faced unauthorized charges — an estimated 128 million victims. Even more concerning, 75% of these victims reported having their credit card information stolen more than once.
The typical unauthorized transaction is around $100, which adds up to approximately $5 billion in criminal purchases each year. Interestingly, most unauthorized transactions involve credit cards that weren’t physically lost or stolen, highlighting the growing risks of online fraud and data breaches.
A woman using her credit card to pay (Kurt “CyberGuy” Knutsson)
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The need for identity theft protection
Data breaches are one of the main ways credit card fraud happens. Hackers often get unauthorized access to sensitive information stored by businesses or institutions. When a retailer, financial institution or online store experiences a data breach, the hackers usually go after the payment systems where customer credit card details are kept.
If these systems aren’t properly secured, hackers can grab things like credit card numbers, expiration dates and sometimes even security codes. Once they have that info, they can either use it themselves or sell it to others.
But it’s not just credit card information at risk. Data breaches can also expose personal details like names, email addresses and phone numbers. Scammers can then use this stolen info to launch phishing attacks, pretending to be trusted companies and tricking you into giving away more sensitive information.
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This is why identity theft monitoring is so important. Identity theft companies can monitor personal information like your 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.
One of the best parts of some identity theft protection services is that they have 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 on how to protect yourself from identity theft.
Illustration of a credit card crook (Kurt “CyberGuy” Knutsson)
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10 ways to protect yourself from credit card fraud
1. Notify your credit card issuer immediately: If you notice fraudulent charges on your credit card, start by calling the number on the back of your credit card. From there, you should get more detailed information on what to do next.
2. Monitor your statements regularly: One of the best ways to catch credit card fraud early is to keep an eye on your statements. Review your transactions regularly to spot any unfamiliar charges. The sooner you notice something suspicious, the quicker you can report it to your credit card company and prevent further damage.
3. Regularly check your credit report: In addition to monitoring your credit card statements, periodically review your credit report to catch any unauthorized accounts opened in your name.
4. Use strong, unique passwords: Always use strong, unique passwords for your online accounts, especially those that store payment details. Avoid using easily guessable information, and consider using a password manager to store and generate secure passwords. This reduces the chances of fraudsters accessing your accounts.
5. Use credit card alerts: Set up transaction alerts with your credit card company. This way, you’ll receive a notification via email or text for every transaction made with your card. If you receive an alert for a purchase you didn’t make, you can take immediate action to report it and prevent further charges.
6. Be Cautious with public Wi-Fi: Avoid making purchases or entering sensitive information when connected to public Wi-Fi networks because they’re often not secure. If you need to make an online purchase while on the go, consider using a VPN (Virtual Private Network) to encrypt your connection and keep your credit card details safe from hackers. For the best VPN software, see my expert review of the best VPNs for browsing the web privately on your Windows, Mac, Android and iOS devices
7. Don’t store credit card info on browsers and websites: Storing your credit card information on browsers or websites can make it convenient, but it also exposes you to a higher risk of fraud. If your browser or the website’s security gets compromised, hackers could gain access to your saved card details. To stay safe, avoid saving your credit card information and manually enter it each time you make a purchase. If a site offers to save your details for future use, think twice before accepting. It’s better to take the extra step to enter your information each time, ensuring your data stays secure.
8. Use EMV chip technology: When making in-person purchases, always use the chip reader instead of swiping your card. Chip technology provides an extra layer of security against fraud.
9. Be wary of phishing attempts and have strong antivirus software: Be cautious of unsolicited emails, texts or phone calls asking for your credit card information. Legitimate companies typically don’t request sensitive information through these channels. The best way to safeguard yourself from malicious links that install malware, potentially accessing your private information, is to have antivirus software installed on all your devices. This protection can also alert you to phishing emails and ransomware scams, keeping your personal information and digital assets safe. Get my picks for the best 2025 antivirus protection winners for your Windows, Mac, Android and iOS devices.
10. Keep your card in sight: When using your card in restaurants or stores, try to keep it within view. This reduces the risk of someone copying your card details.
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Kurt’s key takeaway
It’s clear that credit card fraud is more prevalent than ever, affecting millions of Americans each year. The good news is that there are effective steps to protect yourself from becoming a victim. By staying vigilant and employing best practices — like monitoring your statements and using strong passwords — you can significantly reduce your risk. Remember, awareness and proactive measures are your best defenses against credit card fraud.
Have you or someone you know ever experienced credit card fraud, and how did it impact you? Let us know by writing us at Cyberguy.com/Contact
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Copyright 2025 CyberGuy.com. All rights reserved.
Technology
MacBook Neo versus an old MacBook Air: good luck
My first thought when Apple announced the MacBook Neo today was “okay, but why not just get an older Air?” If you’re thinking that too, you might be right. If you can find one.
The Neo starts at $599 with an A18 Pro processor, 8GB of memory, and 256GB storage, and ends at $699 with the same specs plus TouchID and 512GB of storage. It has two USB-C (not Thunderbolt) ports, a pretty basic-looking screen, a mechanical trackpad instead of haptic, and various other cost-saving measures. It’s the cheapest new MacBook you can get now.
The new M5 MacBook Air starts at $1,099 with 16GB of memory and 512GB of much faster storage, a bigger and brighter screen, a better webcam, better Wi-Fi and Bluetooth, more speakers, Thunderbolt 4, a faster charger, and so forth. It’s $100 more than last year’s model, probably because of the Neo. Or you can get an M4 MacBook Air for $1000, with a slightly slower processor than the M5 (but still faster than the Air), and otherwise pretty much the same specs.
If you could still get a new M1 Air from Walmart for $700, it’d be a pretty tough call between that and the Neo. That machine came out in 2020, but is still better in most respects. Unfortunately, they’ve been out of stock since last month — probably because of the Neo — so that’s the end of that. You can probably find a refurb one. Same with the M3 and M4: if you can find one for around the same price as the Neo, especially with 16GB of RAM, you should get one of those. But they’re pretty thin on the ground, and I’d expect them to become thinner. (Keep an eye on Apple’s refurb site, though — a refurb M4 Air for $750 is pretty dang good.)
The modern Air is unquestionably a better computer. The thing about $1,000 is it’s a lot more money than $600. $600 is already more than most non-Mac people want to spend on a laptop, but it’s a lot less than an Air, and the gap between the two is big enough that it’s harder to justify the jump unless you know you’re gonna need more than 8GB of RAM, if you’re ever gonna use Thunderbolt, and so forth. I wouldn’t buy the Neo for myself.
The Neo isn’t meant to compete with the Air, though. It’s aiming for the first-time MacBook buyer. It’s Apple trying to pick up the cheap Windows laptop crowd who are annoyed by Windows. With its $499 price for education, it’s also an attempt to break the Chromebook’s stranglehold on the K-12 market, to turn iPad kids into MacBook Neo teens into Air adults. Heck, when it’s time for my kids to turn in their school-issued Chromebooks, and I have to choose between a Chromebook, a Windows laptop, and a MacBook Neo for them? That’ll be interesting.
And that’s how they get you!
I honestly don’t think the Neo vs Air debate is going to be that hard for most people, just because most people aren’t spending a thousand bucks on a laptop in the first place. The processor’s probably going to feel about the same as an M1 Air’s, which is to say fast enough for most things. The toughest parts are going to be figuring out if you’re satisfied with 8GB of RAM (rough!), if you ever really need Thunderbolt (maybe not?), and if you care about that fancy webcam (eh). If you already know the answer, you already know the answer. And you should probably grab that refurb Air while you can.
A cynical part of me thinks this is Apple trying to get MacBooks onto the same upgrade cycle as its phones. If you bought the cheapest MacBook Air six years ago, it’s probably still fine. If you buy the cheapest MacBook Neo today, is it going to feel fine in six years? Maybe! Or maybe you’ll decide you need to spring for an Air next time. And up the funnel you go.
Technology
Stop the insanity 2.0: ’90s icon Susan Powter’s tech comeback
’90s icon Susan Powter makes digital comeback
Susan Powter, famous in the 1990s for her wellness brand before she fell out of the spotlight, tells Kurt “CyberGuy” Knutsson’s Beyond Connected podcast how she is using digital platforms to power her comeback.
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There was a time when you could not turn on the TV without seeing Susan Powter. Platinum buzz cut. Barefoot. Fierce. Unfiltered. And that battle cry that still lives in pop culture: “Stop the Insanity!”
In the 1990s, Powter built a massive wellness brand by pushing back on diet culture and talking about real life. Then the spotlight went dark. The part most people missed was brutal: financial collapse, isolation and crushing hopelessness.
Powter says the years after fame were not a quick fall. They were a long grind. She describes driving for Uber Eats for nine years, working “eight to 10 hours every day, seven days a week, trying to make my $80 to $100 a day so I could pay my damn bills.” Then comes the twist that makes this story feel very 2026. Tech did not break her. Tech helped her rebuild.
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Susan Powter attends the “Stop the Insanity: Finding Susan Powter” NYC screening at Village East Cinema on November 21, 2025, in New York City. (Santiago Felipe/Getty Images)
How Susan Powter built her original wellness empire
When Susan Powter sat down with me in my Los Angeles studio for my Beyond Connected podcast, she began by rewinding the story to where it all started. Powter’s story begins far from Hollywood. She took me back to 1982 in Garland, Texas. She had two babies a year apart. After her divorce, she gained more than 130 pounds. She says she didn’t recognize herself physically. She felt financially doomed and emotionally overwhelmed.
Then she figured something out. “I would go to the grocery store, Piggly Wiggly. This is the truth,” she says. Other moms would stop her and tell her she looked great. Powter would answer, “No, no, you don’t understand. I figured out with modification you could be fit,” and she says, “a crowd would gather in the grocery store.”
That moment was not a marketing plan. It was a single mother talking to other women who were struggling too. That voice and that honesty turned into classes, then a studio, then a media machine. Powter never liked the labels people gave her. “They always used to call me a fitness guru. I’ve never used that term,” she says. Her version is simpler and more relatable: “I said, I’m just a housewife who figured it out and started talking to other housewives.”
But the business side got ugly. “It became a monster,” she says. “It started generating so much money, and then they started producing me out of me.”
Why Susan Powter lost her fortune and disappeared
This is where her story hits a nerve for anyone who has ever felt trapped in a system that profits from them. Powter describes management chaos, lawyers and huge legal bills. She says, “My last legal bill was $6.5 million.”
But the real breaking point came the day she decided to walk away. She was living in Beverly Hills when she says she discovered what was happening behind the scenes with unscrupulous management and bad-faith actors. She says that the very empire she built no longer felt like it belonged to her. As a result, her response was swift and absolute. “I sent one paragraph to everyone; Simon & Schuster, Time Warner, all management, literary agents. And I said, so-and-so no longer represents Susan Powter. Stop the Insanity. One paragraph.” That was it. She fired everyone. Then she left. “I moved to Seattle, and I started teaching classes in basements,” she says. “I left it all.”
She also pushes back on the tidy narrative people prefer about her downfall. “I did not go from Hollywood to Harbor Island, which is the welfare hotel that I lived in for far too long in Las Vegas. I didn’t go there in three years. That’s not what happened.”
Instead, she describes years of work, shifting family dynamics and what she calls “quiet poverty.” And she names the part people tend to skip because it makes them uncomfortable: what poverty does to your identity. “It’s soul-sucking, dehumanizing,” she says.
At one point, she recalls walking eight miles in brutal Las Vegas heat. “My dollar store flip-flops literally melted under my feet. It was 120 degrees.” She adds, “That’s when you feel dehumanized.”
During that period, she drew strength from the late Joan Rivers, who had faced her own trials. “She said to me, ‘You hang on, kid. This is a tough game,’” Powter recalls of meeting her earlier in her career. Years later, when her own world unraveled, Susan says she often asked herself, “What would Joan Rivers do?”
‘STOP THE INSANITY’ SUSAN POWTER EXPOSES TRUTH BEHIND FITNESS EMPIRE’S COLLAPSE AND LIFE DRIVING FOR UBER EATS
When 1990s fitness icon Susan Powter sat down in Kurt’s Los Angeles studio for getbeyondconnected.com, she opened up about the collapse few people saw coming. (Kurt “CyberGuy” Knutsson )
The moment tech went from a distraction to Susan Powter’s lifeline
Powter does not talk about technology like a cute productivity hack. She talks about it like survival. She used a phone, an app, digital platforms and a decision to use the same tools many of us blame for distraction as a way to climb back. Powter says the internet helped her see a path forward. “I’m internet obsessed, and I’m proud to say it,” she says. She also shows self-awareness about the darker side. “I know the darkness of it. I get it, I get it, but it is such a power.”
Then she says the line that sums up her whole strategy, “I’m going to digitalize everything. I’m going to sell it myself. I’m going to own everything.” That is her new business plan. And it is the part a lot of creators, freelancers and founders will recognize right away: when you stop waiting for permission, you start building assets you control.
How Susan Powter is taking back control with the help of tech
Powter talks about ownership like someone who has learned the cost of not having it. This time, she wants to see everything. “I’ll be checking the bank balance every 12 seconds,” she says. “I’ll be checking the analytics every second.” There is no confusion in her voice. She is not handing control to anyone else again.
For nine years, she drove for Uber Eats, eight to 10 hours a day, chasing $80 to $100 just to cover bills. There was no cushion and no mystery revenue. Everything depended on what she could see and control. After that, data feels like protection.
She calls gig work and the internet “literally life-saving,” and says, “access to what is happening now matters, especially for 68-year-olds.” For anyone who thinks technology belongs to the young, her story argues the opposite. A phone and apps can drain your time. They can also rebuild your life.
Now, Powter is rebuilding on her own terms, using technology to reclaim her voice, her brand and her future. (Obscured Pictures)
How Susan Powter uses Instagram and TikTok today
Powter is not tiptoeing back into the public eye. She is going full speed. She says she is “obsessed with TikTok, Insta,” and she is experimenting with TikTok Shop. Powter also draws a bright line around how she wants to show up.
“I’ll recommend show and tell, not sell what I want to be,” she says. Her style is classic Susan. Big energy. Big honesty. Zero patience for fake polish. At one point, she laughs and describes her approach like this: “It’s kind of like affiliate marketing on acid.”
And she is thinking bigger than social media posts. She talks about doing “vertical actual reality TV,” showing people the brand rebuild in real time, filming gatherings and owning the content. “I’ll film it, I’ll own the content, I’ll put it up live. We’re done,” she says.
The book, the movie and the part that matters most
Powter’s memoir is titled “And Then EM Died: Stop the Insanity, A Memoir,” available on Amazon. She calls it “a letter to my dead dog,” and says, “This is the first product I have owned out of all the products, all the years, all the work, and I get to see every sale.”
The documentary, “Stop the Insanity: Finding Susan Powter,” executive-produced by Jamie Lee Curtis and directed by Zeb Newman, is available on Amazon and Apple TV. But if you take one thing from this conversation, make it this: Powter refuses the tidy inspirational story arc. “The only reason I survived anything… No, I died a million deaths,” she says. Then she says what actually fueled her: “A lot of it was rage. I wasn’t going down like that.”
And yet she does not end there. “It doesn’t matter what happened. To hell with that. My being survived.” That honesty lands because it sounds like real life, not a poster. And maybe that is the real message now. Survival is not always pretty. Sometimes it is loud, messy and powered by the simple refusal to disappear.
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Kurt’s key takeaways
Susan Powter’s story resonates because it feels familiar, even now. First, a public identity collapses. Then private life grows heavier than anyone sees. Yet that is not where her story ends. Instead, she finds leverage where few people think to look: in a phone, in an app, in a platform and in the power to publish without gatekeepers. Of course, she is not pretending technology fixes everything. She sees the darkness. At the same time, she sees the power. Now, she is using that power the way she always has: loudly, honestly and on her own terms.
So here’s the question to sit with: If your life fell apart tomorrow, would your tech habits help you rebuild, or would they pull you deeper? Let us know by writing to us at Cyberguy.com.
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Copyright 2026 CyberGuy.com. All rights reserved.
Technology
Anker’s last-gen sleep buds are nearly 40 percent off ahead of daylight saving time
Bad news: most Americans are about to lose an hour of sleep next week. Good news: if you have trouble falling (or staying asleep), Newegg is currently selling Anker’s Soundcore Sleep A20 earbuds for $113.99 ($66 off) when you use coupon code MMSF88 at checkout, which drops them to just $6 shy of their lowest price to date.
A couple of us here at The Verge are fans of Anker’s last-gen sleep buds, which do a good job of muffling disruptive noises (including snoring). They’re lightweight and comfortable enough to wear overnight, even while sleeping on your side, with multiple ear tips and wings for a personalized fit. In fact, in his review, my colleague Thomas Ricker said that they improved his average sleep time by nearly 30 minutes within a two-week period.
What’s even more convenient is that they offer a variety of sleep-focused features to help you rest better. For example, you can use them to play a range of relaxing sounds, from meditation exercises and nature clips to white noise. You can use them as a regular pair of Bluetooth earbuds, too, just in case you prefer to listen to audiobooks or your own curated sleep playlist. They even come with adjustable EQ as well, though we wouldn’t recommend using them as your primary earbuds for music, given that they can’t match the audio quality you’d get from a pair of midrange earbuds from Apple, Sony, or Bose.
In addition, the Sleep A20 offer up to 14 hours of battery life and sleep tracking, providing insights into how long and how well you’ve slept via a companion app that also details your sleep positions and movements. The newer Soundcore Sleep A30 feature active noise cancellation, which is more effective at masking sounds than the A20’s passive isolation, but Anker’s last-gen earbuds remain a decent, budget-friendly option that can help you comfortably tune out most nighttime distractions for nearly half the price.
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