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Card Testing Fraud — Small Mystery Charges
Why scammers place $0.01–$5.00 charges on stolen cards and how to respond before larger fraud hits.
Last updated: 2026-07-02
What card testing looks like
Fraudsters validate stolen card numbers with tiny charges before attempting larger purchases. You may see several small charges from unknown merchants in one day.
If you spot micro-charges, assume the card number is compromised. Dispute the charges and request a replacement card immediately.
Frequently asked questions
- Should I cancel my card for a $1 unknown charge?
- Yes. Card testing often precedes larger fraud. Request a new card number from your issuer.