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How thieves use new credit card numbers before you receive them

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How thieves use new credit card numbers before you receive them

Imagine receiving a notification about suspicious charges on a credit card you haven’t even received yet. How could that happen? 

While it sounds surprising and unsettling, it’s increasingly common due to the rise of digital credit card fraud. Criminals no longer need physical cards to make unauthorized transactions, thanks to methods such as data breaches, phishing schemes and card-not-present fraud. 

Here’s how these schemes work and what steps you should take immediately to protect yourself.

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Illustration of a crook stealing credit card info (Kurt “CyberGuy” Knutsson)

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How it happens

Even if a new credit card hasn’t arrived yet, it may already be vulnerable. In many cases, the issue isn’t about the card being physically stolen but about someone gaining access to your information digitally. Criminals can exploit online account features, mobile wallets or leaked personal data to start using your card before you’ve even opened the envelope. Below are some of the most common ways this type of fraud happens.

1. Account takeover or access

If a scammer already has access to your account, either through stolen login credentials, a hacked email or malware, they can view the newly issued card number in the online dashboard or mobile app. Many credit card companies now allow instant access to digital card numbers for use in Apple Pay, Google Wallet or online purchases. This means that as soon as a new card is issued, it may be visible digitally before the physical card is even shipped. If a fraudster has access to your account, they can add the number to a digital wallet and begin spending before the envelope ever hits your mailbox.

2. Digital wallet hijack

Some card issuers allow you to add your credit card to mobile wallets instantly, even before the physical card arrives. While this feature is convenient, it can also expose you to specific security risks tied to mobile wallet activation. Criminals may exploit this process by using stolen personal information to bypass security checks and add your card to their own Apple Pay or Google Wallet accounts. They might pose as you to request a new card, intercept or reroute the digital activation process, or even start making fraudulent purchases immediately. This type of fraud can be hard to detect, especially if you’re not expecting a new card or if unauthorized charges blend in with legitimate transactions.

Illustration of someone using their digital wallet (Kurt “CyberGuy” Knutsson)

THIS IS HOW TO PROTECT YOUR CREDIT AND BANK CARDS FROM GETTING HACKED

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3. Phishing or data breaches

Another common scenario involves your personal information being compromised in a phishing attack or large-scale data breach. Thieves use this stolen data, such as your name, Social Security number, address and security question answers, to impersonate you and gain access to your account dashboard or reset login credentials. Once inside, they can retrieve new card details directly from the source or request a replacement card. Phishing scams often trick victims into revealing sensitive information through fake emails or websites, while data breaches expose vast amounts of personal data that criminals can exploit for fraudulent activities.

4. Mail theft

Although charges made before a new credit card is received are rarely due to mail theft, this type of traditional fraud still poses a risk. Criminals may intercept your mail to steal sensitive documents, including credit cards, which can then be used for unauthorized purchases. To reduce this risk, avoid leaving important mail unattended in your mailbox. Consider using Informed Delivery by USPS to track incoming mail or request that your credit card be delivered to a secure location, such as a P.O. box or directly to your bank branch.

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A person using their new credit card (Kurt “CyberGuy” Knutsson)

HOW CYBERSCAMS ARE DRAINING AMERICANS’ WALLETS BY THE BILLIONS

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What to do immediately

If you find yourself in this situation where fraudulent charges appear on a card you haven’t received yet, take these steps right away.

1. Change login credentials: Update all login information with your bank or credit card company, including:

  • New password
  • Security questions
  • PIN (if applicable)

If your account is linked to an email address that may also be compromised, update the password for that email account as well. Many fraudsters gain access by first hacking your email, which can give them entry to password-reset links and sensitive notifications. Consider using a password manager to generate and store complex passwords. Get more details about my best expert-reviewed password managers of 2025 here.

2. Use strong antivirus software: If spyware or a keylogger has been installed on your device, it can continue to steal sensitive data, such as passwords and personal information, even after you change your credentials. To protect yourself, install strong antivirus software on all your devices. Get my picks for the best 2025 antivirus protection winners for your Windows, Mac, Android and iOS devices.

3. Enable multifactor authentication (MFA): Add MFA to all accounts tied to your financial information. This adds an extra layer of security by requiring a second verification step (e.g., a code sent to your phone) before accessing sensitive accounts.

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4. Use an identity theft protection service: 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. See my tips and best picks on how to protect yourself from identity theft.

5. Invest in personal data removal services: Consider using a personal data removal service to reduce your online exposure. These services continuously monitor and remove your sensitive information from data brokers and websites that could be exploited by criminals. This lowers the chances of your data being used in phishing scams or other fraudulent activities. While no service promises to remove all your data from the internet, having a removal service is great if you want to constantly monitor and automate the process of removing your information from hundreds of sites continuously over a longer period of time. Check out my top picks for data removal services here.

6. Ask your credit card company to investigate: Contact your credit card provider directly and request a full investigation. Ask if there was any suspicious account activity, such as a login from a new device, before the fraudulent charges occurred. They may be able to trace when and how your account was accessed. Most card issuers will reverse fraudulent charges and can reissue a new card with a different number.

7. Notify law enforcement: File a report with the Federal Trade Commission. If necessary, a police report should also be filed to document the fraud. This can be helpful for disputing charges and clearing your record. 

DON’T LET THIS CREDIT CARD FRAUD NIGHTMARE HAPPEN TO YOU

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Kurt’s key takeaways

So, we’ve uncovered how those sneaky credit card charges can surface even before you’ve held the card in your hands. It’s a reflection of the increasingly digital world we live in, where our personal information can be vulnerable in surprising ways. Remember, use strong antivirus software and consider a personal data removal service to minimize your online footprint. If you find yourself in this situation, act fast by changing your passwords, enabling multifactor authentication and reporting the issue to your card company.

What’s the most unexpected way your personal info has been compromised, and what steps did you take to recover? Let us know by writing us at Cyberguy.com/Contact.

For more of my tech tips and 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.

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Defense secretary Pete Hegseth designates Anthropic a supply chain risk

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Defense secretary Pete Hegseth designates Anthropic a supply chain risk

This week, Anthropic delivered a master class in arrogance and betrayal as well as a textbook case of how not to do business with the United States Government or the Pentagon.

Our position has never wavered and will never waver: the Department of War must have full, unrestricted access to Anthropic’s models for every LAWFUL purpose in defense of the Republic.

Instead, @AnthropicAI and its CEO @DarioAmodei, have chosen duplicity. Cloaked in the sanctimonious rhetoric of “effective altruism,” they have attempted to strong-arm the United States military into submission – a cowardly act of corporate virtue-signaling that places Silicon Valley ideology above American lives.

The Terms of Service of Anthropic’s defective altruism will never outweigh the safety, the readiness, or the lives of American troops on the battlefield.

Their true objective is unmistakable: to seize veto power over the operational decisions of the United States military. That is unacceptable.

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As President Trump stated on Truth Social, the Commander-in-Chief and the American people alone will determine the destiny of our armed forces, not unelected tech executives.

Anthropic’s stance is fundamentally incompatible with American principles. Their relationship with the United States Armed Forces and the Federal Government has therefore been permanently altered.

In conjunction with the President’s directive for the Federal Government to cease all use of Anthropic’s technology, I am directing the Department of War to designate Anthropic a Supply-Chain Risk to National Security. Effective immediately, no contractor, supplier, or partner that does business with the United States military may conduct any commercial activity with Anthropic. Anthropic will continue to provide the Department of War its services for a period of no more than six months to allow for a seamless transition to a better and more patriotic service.

America’s warfighters will never be held hostage by the ideological whims of Big Tech. This decision is final.

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What Trump’s ‘ratepayer protection pledge’ means for you

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What Trump’s ‘ratepayer protection pledge’ means for you

NEWYou can now listen to Fox News articles!

When you open a chatbot, stream a show or back up photos to the cloud, you are tapping into a vast network of data centers. These facilities power artificial intelligence, search engines and online services we use every day. Now there is a growing debate over who should pay for the electricity those data centers consume.

During President Trump’s State of the Union address this week, he introduced a new initiative called the “ratepayer protection pledge” to shift AI-driven electricity costs away from consumers. The core idea is simple. 

Tech companies that run energy-intensive AI data centers should cover the cost of the extra electricity they require rather than passing those costs on to everyday customers through higher utility rates.

It sounds simple. The hard part is what happens next.

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At the State of the Union address Feb. 24, 2026, President Trump unveiled the “ratepayer protection pledge” aimed at shielding consumers from rising electricity costs tied to AI data centers. (Nathan Posner/Anadolu via Getty Images)

Why AI is driving a surge in electricity demand

AI systems require enormous computing power. That computing power requires enormous electricity. Today’s data centers can consume as much power as a small city. As AI tools expand across business, healthcare, finance and consumer apps, energy demand has risen sharply in certain regions.

Utilities have warned that the current grid in many parts of the country was not built for this level of concentrated demand. Upgrading substations, transmission lines and generation capacity costs money. Traditionally, those costs can influence rates paid by homes and small businesses. That is where the pledge comes in.

What the ratepayer protection pledge is designed to do

Under the ratepayer protection pledge, large technology companies would:

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  • Cover the full cost of additional electricity tied to their data centers
  • Build their own on-site power generation to reduce strain on the public grid

Supporters say this approach separates residential energy costs from large-scale AI expansion. In other words, your household bill should not rise simply because a new AI data center opens nearby. So far, Anthropic is the clearest public backer. CyberGuy reached out to Anthropic for a comment on its role in the pledge. A company spokesperson referred us to a tweet from Anthropic Head of External Affairs Sarah Heck.

“American families shouldn’t pick up the tab for AI,” Heck wrote in a post on X. “In support of the White House ratepayer protection pledge, Anthropic has committed to covering 100% of electricity price increases that consumers face from our data centers.”

That makes Anthropic one of the first major AI companies to publicly state it will absorb consumer electricity price increases tied to its data center operations. Other major firms may be close behind. The White House reportedly plans to host Microsoft, Meta and Anthropic in early March to discuss formalizing a broader deal, though attendance and final terms have not been confirmed publicly.

Microsoft also expressed support for the initiative. 

“The ratepayer protection pledge is an important step,” Brad Smith, Microsoft vice chair and president, said in a statement to CyberGuy. “We appreciate the administration’s work to ensure that data centers don’t contribute to higher electricity prices for consumers.”  

Industry groups also point to companies such as Google and utilities including Duke Energy and Georgia Power as making consumer-focused commitments tied to data center growth. However, enforcement mechanisms and long-term regulatory details remain unclear.

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CHINA VS SPACEX IN RACE FOR SPACE AI DATA CENTERS

The White House plans talks with Microsoft, Meta and Anthropic about shifting AI energy costs away from consumers. (Eli Hiller/For The Washington Post via Getty Images)

How this could change the economics of AI

AI infrastructure is already one of the most expensive technology buildouts in history. Companies are investing billions in chips, servers and real estate. If firms must also finance dedicated power plants or pay premium rates for grid upgrades, the cost of running AI systems increases further. That could lead to:

  • Slower expansion in some markets
  • Greater investment in renewable energy and storage
  • More partnerships between tech firms and utilities

Energy strategy may become just as important as computing strategy. For consumers, this shift signals that electricity is now a central part of the AI conversation. AI is no longer only about software. It is also about infrastructure.

The bigger consumer tech picture

AI is becoming embedded in smartphones, search engines, office software and home devices. As adoption grows, so does the hidden infrastructure supporting it. Energy is now part of the conversation around everyday technology. Every AI-generated image, voice command or cloud backup depends on a power-hungry network of servers.

By asking companies to account more directly for their electricity use, policymakers are acknowledging a new reality. The digital world runs on very physical resources. For you, that shift could mean more transparency. It also raises new questions about sustainability, local impact and long-term costs.

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ARTIFICIAL INTELLIGENCE HELPS FUEL NEW ENERGY SOURCES

As AI expansion strains the grid, a new proposal would require tech firms to fund their own power needs. (Sameer Al-Doumy/AFP via Getty Images)

What this means for you

If you are a homeowner or renter, the practical question is simple. Will this protect my electric bill? In theory, separating data center energy costs from residential rates could reduce the risk of price spikes tied to AI growth. If companies fund their own generation or grid upgrades, utilities may have less reason to spread those costs among all customers.

That said, utility pricing is complex. It depends on state regulators, long-term planning and local energy markets.

Here is what you can watch for in your area:

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  • New data center construction announcements
  • Utility filings that mention large commercial load growth
  • Public service commission decisions on rate adjustments

Even if you rarely use AI tools, your community could feel the effects of a nearby data center. The pledge is intended to keep those large-scale power demands from showing up in your monthly bill.

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Kurt’s key takeaways

The ratepayer protection pledge highlights an important turning point. AI is no longer only about innovation and speed. It is also about energy and accountability. If tech companies truly absorb the cost of their expanding power needs, households may avoid some of the financial strain tied to rapid AI growth. If not, utility bills could become an unexpected front line in the AI era.

As AI tools become part of daily life, how much extra power are you willing to support to keep them running? Let us know by writing to us at Cyberguy.com.

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Copyright 2026 CyberGuy.com. All rights reserved.

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Here’s your first look at Kratos in Amazon’s God of War show

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Here’s your first look at Kratos in Amazon’s God of War show

Amazon has slowly been teasing out casting details for its live-action adaptation of God of War, and now we have our first look at the show. It’s a single image but a notable one showing protagonist Kratos and his son Atreus. The characters are played by Ryan Hurst and Callum Vinson, respectively, and they look relatively close to their video game counterparts.

There aren’t a lot of other details about the show just yet, but this is Amazon’s official description:

The God of War series storyline follows father and son Kratos and Atreus as they embark on a journey to spread the ashes of their wife and mother, Faye. Through their adventures, Kratos tries to teach his son to be a better god, while Atreus tries to teach his father how to be a better human.

That sounds a lot like the recent soft reboot of the franchise, which started with 2018’s God of War and continued through Ragnarök in 2022. For the Amazon series, Ronald D. Moore, best-known for his work on For All Mankind and Battlestar Galactica, will serve as showrunner. The rest of the cast includes: Mandy Patinkin (Odin), Ed Skrein (Baldur), Max Parker (Heimdall), Ólafur Darri Ólafsson (Thor), Teresa Palmer (Sif), Alastair Duncan (Mimir), Jeff Gulka (Sindri), and Danny Woodburn (Brok).

While production is underway on the God of War series, there’s no word on when it might start streaming.

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