If my bank calls, can I give the card number
"Good morning, Ms.Smith, I'm with ABC Credit Services. I'm calling today because someone used your credit card last night at a Stop-N-Go. Can you please confirm your credit card number for me?" Fraudster Phone Call
The internet is ripe with information on how to avoid credit card scams. But what they won't tell you is what the people calling will sound like, or what they will say.
First, be aware, that banks will call to confirm your purchasing habits but NOT to confirm your credit card information. There is a distinction. Card companies will already have your credit card numbers. This information will be up on one of several security systems. Second, regardless of who is on the phone, tell the person that you will call your card company to confirm and HANG UP. Dig your credit card or credit card statement out and call the 1-800 number listed. If the customer service agent does not have notes on your account about a call to you, ask to speak with the Fraud Detection Department. These are the people most likely to call you. By law all Credit Card Companies and Banking Systems have Fraud Detection Departments.
So, here are some other things fraudsters may say when they call you:
"Good afternoon, Mr. Smith, I'm with ABC Credit Card Company. We noticed some unusual activity on your card. Can you confirm your credit card is in your possession? To confirm, please read off your last four numbers AND the csc/cvc code on the back."
"Hello, Ma'am. I'm with your bank. I have your credit card here. Can you confirm the numbers? Why? Because someone found it outside and I want to make sure I'm talking to the right person."
"Hello, Sir. Your credit card number was used today at my store. I just want to make sure that I got the full number here because it's not processing all the way. Will you repeat the number for me?"
And, my favorite all time lie is:
"Good Morning Mr. Smith. I'm with ABC Credit Card Company and you've just won our Grand Prize! In order to process all the forms we will need your credit card number. May I get that full number, please?"
Also, be ware of the Visa 911 Scam:
"Good Morning Ms. Smith. I'm with Visa 911. I see your credit card is being used in Guam. Please confirm your credit card number for me so we may stop all the charges against it if your card number has been comprimised."
Visa 911 will NOT call you. Your credit card company will call you if there is an issue with your card.
The internet is ripe with information on how to avoid credit card scams. But what they won't tell you is what the people calling will sound like, or what they will say.
First, be aware, that banks will call to confirm your purchasing habits but NOT to confirm your credit card information. There is a distinction. Card companies will already have your credit card numbers. This information will be up on one of several security systems. Second, regardless of who is on the phone, tell the person that you will call your card company to confirm and HANG UP. Dig your credit card or credit card statement out and call the 1-800 number listed. If the customer service agent does not have notes on your account about a call to you, ask to speak with the Fraud Detection Department. These are the people most likely to call you. By law all Credit Card Companies and Banking Systems have Fraud Detection Departments.
So, here are some other things fraudsters may say when they call you:
"Good afternoon, Mr. Smith, I'm with ABC Credit Card Company. We noticed some unusual activity on your card. Can you confirm your credit card is in your possession? To confirm, please read off your last four numbers AND the csc/cvc code on the back."
"Hello, Ma'am. I'm with your bank. I have your credit card here. Can you confirm the numbers? Why? Because someone found it outside and I want to make sure I'm talking to the right person."
"Hello, Sir. Your credit card number was used today at my store. I just want to make sure that I got the full number here because it's not processing all the way. Will you repeat the number for me?"
And, my favorite all time lie is:
"Good Morning Mr. Smith. I'm with ABC Credit Card Company and you've just won our Grand Prize! In order to process all the forms we will need your credit card number. May I get that full number, please?"
Also, be ware of the Visa 911 Scam:
"Good Morning Ms. Smith. I'm with Visa 911. I see your credit card is being used in Guam. Please confirm your credit card number for me so we may stop all the charges against it if your card number has been comprimised."
Visa 911 will NOT call you. Your credit card company will call you if there is an issue with your card.
