Swipe your debit and credit cards cautiously

With a swipe of some plastic, your personal account information could be leaked into the wrong hands. It's called skimming, and it can happen at any kind of gas station, store, outdoor ATM or restaurant.

Cash is no longer king, now a days many people use plastic to pay the bill. But experts say the easy swipe of your debit or credit card could allow skimmers to access your financial information.

"Skimming usually involves placing a modified device on the reader of the credit card so that when you put in your card which has a strip on it, it's being read by the hacker," said Patrick Munro, financial advisor with Northstar Financial Advisors.

Munro says technology makes it easier for thieves to access your pin number too.

"Then they'll use a pinhole camera to look at you putting your keypad password in," said Munro.

In order to protect yourself, cover up your hand while putting in your pin number.

Another way to protect yourself, is by limiting your use of plastic and using more cash.

"People are going back to cash," Munro said.

Ray Goens says he prefers cash as it helps limit his spending. "The way I look at it, if you got cash, you got business. If you ain't got no cash, you don't need it," he said.

Scott Woodruff who's on vacation in Myrtle Beach, says he uses his credit card while traveling and debit card at home; but not after hearing about skimmers.

"I might need to switch to cash if there's a danger," said Woodruff.

Which is why Munro says cash will never go away.

If your shopping online Munro says use a credit card over a debit card, and be aware of the interest that can add up.

He also says make sure to stay on top of your bank statements.