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Julie Conroy, research director for the retail banking practice at Aite Group, a Boston-based financial services research firm, says even the card terminals that card users must swipe to get into ATM vestibules are being used as a skimming site by criminals.Michelle Crouch is a freelance writer and editor covering personal finance, health, parenting and more.In addition to writing for Credit Cards.com, she is a contributing editor at Reader's Digest, where she persuades subjects ranging from airline pilots to burglars to share what they're really thinking for her monthly "13 secrets" column.However, other factors can often impact senior citizens ...(See Too old)Poll reveals who are the best, worst tippers -- A Northeasterner with a credit card will likely make the wait staff smile ...With a debit card, your money instantly disappears from your checking account.