How to Spot and Prevent Credit Card Fraud in Northern Minnesota

Credit card fraud can happen to anyone — whether you’re shopping online from home or stopping at a local gas station. Knowing what to look for and how to respond can make a big difference. At Northwoods Credit Union, we’re here to help you stay informed, proactive, and protected.

What Is Credit Card Fraud?

Credit card fraud happens when someone uses your card or card number to make unauthorized purchases or withdrawals.
It can occur through:

• Stolen cards or card numbers

• Data breaches or phishing emails

• Card skimmers at ATMs or local gas pumps

• Fake calls or messages pretending to be from your financial institution

While these situations can be frustrating, staying alert and informed helps reduce the risk.

Common Signs of Credit Card Fraud

Watch for these warning signs that may indicate suspicious activity:

• Unfamiliar charges on your statement — even small amounts

• Alerts for purchases you didn’t make

• Declined transactions when your account should be active

• Unexpected calls or texts asking for personal information, such as login passwords.

If anything looks off, contact Northwoods Credit Union right away so we can help secure your account.

How to Help Prevent Credit Card Fraud

You can take simple steps to keep your finances safe every day:

• Use secure networks. Avoid making purchases over public Wi-Fi.
• Check your account often. Review statements and transactions regularly.
• Set up alerts. Get real-time notifications for card activity.
• Be cautious at ATMs and gas stations. Inspect machines before inserting your card.
• Shop on trusted websites. Look for “https” and recognizable retailers.
• Use strong passwords. Update them regularly and never reuse passwords across accounts.

If You Suspect Fraud

If you believe your card has been used without permission:

• Contact Northwoods Credit Union immediately so we can assist right away.
• Review your recent transactions to identify unauthorized charges.
• Report the fraud to your local law enforcement if necessary.
• Monitor your credit report for additional suspicious activity.

Taking action quickly can help limit any impact.

How Northwoods Credit Union Can Help

At Northwoods Credit Union, your security is a top priority.

We offer:

• Fraud assistance and transaction alerts.

• Local support from our team right here in Cloquet, Moose Lake, and Floodwood.

• A modern banking app to help you stay safe.

For more information, visit our Debit Card and Credit Cards pages or contact your local branch in Cloquet, Moose Lake, or Floodwood.

Stay Safe and Stay Informed

Protecting yourself from credit card fraud starts with awareness. By keeping an eye on your accounts and using simple security habits, you can help safeguard your finances — and your peace of mind.

 

 

*Membership eligibility required. NCU is insured by NCUA.