The New Credit Card Scam You Need to Watch For: “Ghost Tapping”

There’s a new scam making people double-check their wallets, and it’s called “ghost tapping.” Unlike old-school pickpocketing, thieves don’t even need to physically grab your card to steal from you.

How Thieves Can Steal Without Ever Touching Your Wallet

Scammers are using cheap portable card readers to get close enough to trigger a wireless payment from tap-to-pay credit cards or even mobile wallets on your phone. A quick bump in a crowded place could be all it takes.

Busy spots like concerts, public transportation, clubs, airports, and packed sidewalks are the perfect places for this kind of theft because people are distracted and close together.

Why Small Charges Can Turn Into Bigger Problems

What makes ghost tapping especially sneaky is that criminals often start small. They may test your card with low-dollar charges—amounts you might not notice right away on your statement.

But it can get worse.

In some cases, scammers may be able to link your card information to their own digital wallets, allowing them to make larger purchases later. That’s why even one suspicious charge should never be ignored.

How to Protect Yourself

Experts say one of the best defenses is using an RFID-blocking wallet or phone case. These can help block the wireless signal scammers rely on and usually cost around $20.

A cheaper option is RFID-blocking card sleeves, which cost just a few cents each, though they can be less convenient.

One thing that didn’t work well? RFID-blocking cards placed inside your wallet. Faraday pouches can also help, but they block your phone’s service too.

The best defense: stay alert and check your accounts often.