Warning: Scammers sending fake emails about the new chip credit cards

Millions of new credit and debt chip cards designed to reduce fraud, including counterfeiting, are being issued.

Consumers need to be aware there are scammers who are trying to take advantage of consumers who haven't received a chip card yet.

Scammers are emailing people, posing as their card issuer, said Colleen Tressler, consumer education specialist for the Federal Trade Commission.

The scammers claim that in order to issue a new chip card, you need to update your account by confirming some personal information or clicking on a link to continue the process.

If you reply to the email with personal information, the scammer can use it to commit identity theft, Tressler said. If you click on the link, you may unknowingly install malware on your device. Malware programs can cause your device to crash, monitor your online activity, send spam, steal personal information, and commit fraud.

Here’s how you can tell if the email is from a scammer:

• There's no reason your card issuer needs to contact you by email – or by phone – to confirm personal information before sending you a new chip card. Don't respond to an email or phone call that asks you to provide your card number.

• Still not sure if the email’s a scam? Contact your card issuers at the phone numbers on your cards.

• Don't trust links in emails. Only provide personal information through a company's website if you typed in the web address yourself and you see signals that the site is secure, such as a URL that begins https; the "s" stands for secure.

To learn more about protecting your personal information, visit Privacy & Identity.

Copyright 2015, Rita R. Robison, Consumer Specialist