Sounds like chips and phone are safer than the mag strip. SNAP uses mag strip, so quite vulnerable to skimming.
💳 Card-skimming scams cost financial institutions and U.S. consumers over a billion dollars each year.
💳 Skimming is a cat-and-mouse game between the criminals and the investigators; when one side finds a way to stop it, the other side finds a new way around it.
💳 Vulnerable groups, such as low-income Americans, are increasingly being targeted by skimmers. In particular, the federal Supplemental Nutrition Assistance Program (SNAP) program is vulnerable to skimming.
💳 SNAP cards use a magnetic stripe that is easily hacked because it is not as secure as the chip that stores started accepting back in 2015.
💳 Every one dollar skimmed ends up costing nearly four dollars in loss, which is passed on to every taxpayer.
💳 Lawmakers from multiple states are urging the USDA to update cybersecurity standards for the nation's food assistance program, as it has not done so since 2010.
💳 The USDA is testing a pilot program in five states next year that will allow SNAP recipients to try tap-to-pay, a more secure payment method.
💳 Law enforcement and business owners are being trained to stop skimming.
The link your bank checking (debit) account to "virtual" credit card numbers that go away after the charge is made (I think). So no worries if someone gets access to the credit card number (breech). It won't work since it was only temporary.