CREDIT card fraud is rocketing and yet people are told not to bother reporting it to the police.

Figures show that it has soared by 50% over the last year in Huddersfield, up from £1m to £1.5m.

Yet the advice now is if you are a victim, contact your bank or building society and they will do the investigations and, hopefully, reimburse you with the money.

Police are rarely involved unless a huge fraud is uncovered. Surely this is sending out a wrong message to the criminals.

They probably know that their chances of getting caught get smaller as the massive fraud problem gets larger.

Chip And Pin only seems to have had an anti-fraud impact in shops. Offenders are still reaping rich rewards for their crimes online and on the phone.

The only deterrent would be for the banks and building societies to reveal how much they are investigating and solving. The fear is the successes would be all too few.