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25 Aug

has revealed contactless cards, which allow you to tap and pay without entering a Pin, are leaving users vulnerable to fraud.

The consumer group found someone standing close by to someone with a contactless enabled card can easily ‘lift’ sensitive account details using card readers readily available online. says this can be prevented by wrapping your wallet lining or individual card in tin foil, as this can deflect the reader and shield the card, even when a crook is in close range.

Here are some concrete things you can do to quit wasting money: No matter what your mortgage interest rate is, see if you can do better. Mortgage giant Freddie Mac says the benchmark 30-year fixed-rate mortgage is down to 3.44 percent ― close to its all-time low of 3.31 percent in November 2012. Plus the market is filled with loans that have zero closing costs ― not even a loan application fee or charge for the appraisal.

This means there is absolutely no good reason not to pick up the phone and call your lender.

A drop from 4.25 percent to a 3.5 percent interest rate on a 0,000 mortgage saves about 0 a month.

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Balance transfers, check requests, convenience checks and overdraft protection do not earn Sky One Platinum Visa Travel Rewards points, and are all subject to terms and conditions of cash advances.

A more refined metal card holder, available from retailers like Amazon, will also do the trick. also suggests taking the card you wish to make a payment with out of your purse or wallet in order to avoid mishaps like paying twice or with the wrong one.

There are now 58 million contactless cards in circulation in the UK, which allow transactions up to £20 without a Pin.

Alcohol is one of those things where the markup can be jaw-dropping.

Wine in restaurants is often marked up 300 percent, says Decanter magazine.