ATTENTION: New CREDIT CARD SCAM

[Napolean]

WARNING...New Credit Card Scam (From friend of mine in Arizona)

This one is pretty slick since they provide YOU with all the information, except the one piece they want.

Note, the callers do not ask for your card number; they already have it. This
information is worth reading. By understanding how the VISA & MasterCard Telephone Credit Card Scam works, you'll be better prepared to protect yourself. One of our employees was called on Wednesday from VISA", and I was called on Thursday from "MasterCard".

The scam works like this:

Person calling says, "This is (name), and I'm calling from the Security and Fraud Department at VISA. My Badge number is 12460 your card has been flagged for an unusual purchase pattern, and I'm calling to verify. This would be on your VISA card which was issued by (name of bank). Did you purchase an Anti-Telemarketing Device for $497.99 from a Marketing company based in Arizona?"

When you say "No", the caller continues with, "Then we will be issuing a credit to your account. This is a company we have been Watching and the charges range from $297 to $497, just under the $500 purchase pattern that flags most cards. Before your next statement, the credit will be sent to (gives you your address), is that correct?" You say "yes".

The caller continues - "I will be starting a Fraud investigation. If you have any questions, you should call the 1- 800 number listed on the back of your card (1-800-VISA) and ask for Security. You will need to refer to this Control Number.

The caller then gives you a 6 digit Number. "Do you need me to read it again?"

Here's the IMPORTANT part on how the scam works: The caller then says, "I need to verify you are in possession of your card".He'll ask you to "turn your card over and look for some numbers". There are 7 numbers; the first 4 are part of your card number, the next 3 are the security Numbers' that verify you are the possessor of the card. These are the numbers you sometimes use to make Internet purchases to prove you have the card. The caller will ask you to read the 3 numbers to him.

After you tell the caller the 3 numbers, he'll say, "That is correct, I just needed to Verify that the card has not been lost or stolen, and that you still have your card.

Do you have any other questions?" After you say No, the caller Then thanks you and states, "Don't hesitate to call back if you do", and hangs up. You actually say very little, and they never ask for or tell you The Card number.

But after we were called on Wednesday, we called back within 20 minutes to ask a question. Are we glad we did! The REAL VISA Security Department told us it was a scam and in the last 15 minutes a new purchase of $497.99 was charged to our card. We made a real fraud report and closed the VISA account. VISA is reissuing us a new number.

What the scammers want is the 3-digit PIN number on the back of the card. Don't give it to them. Instead, tell them you'll call VISA or Master card directly for verification of their conversation. The real V ISA told us that they will never ask for anything on the card as they already know the information since they issued the card!
If you give the Scammers your 3 Digit PIN Number, you think you're receiving a credit. However, by the time you get your statement you'll see charges for purchases you didn't make, and by then it's almost to late and/or more difficult to actually file a fraud report.

What makes this more remarkable is that on Thursday, I got a call from a "Jason Richardson of MasterCard" with a Word-for-word repeat of the VISA scam. This time I didn't let him finish. I hung up! We filed a police report, as instructed by VISA.

The police said they are taking several of these reports daily! They also urged us to tell everybody we know that this scam is happening. I dealt with a similar situation this morning, with the caller telling me that $3,097 had been charged to my account for plane tickets to Spain, and so on through the above routine.

It appears that this is a very active scam, and evidently quite successful.

[Requiem]

I wouldn't talk to anyone about my credit card unless I call them. Even then.. I'm damn suspicious lol.

[Craftblade]

Scammers must know not to call me for i will make them cry with a few putdowns. But thanks for the heads up lots of people don't pay that much attention to those details.

[Dufnial]

I have two words for anyone who phones me with those sort of things,

Fu O.... you can guess the rest

[Ayasha]

Scary how easy it is to trick people and get the information you need.

[Melkorus]

the real question is, how did they get hold of your CC number? It's little scary, I use CC/ATM Card for everything, to buy 25 cents pack of gum or to purchase new $700 TV, I always use cards and never got cash on me.

[Tehfuzz]

Dont you need to enter in your CID Number/ aka 3 digits on the back, for any purchase you make? So it doesnt really matter if they have your card number. They shouldnt be able to get that number. Unless of course you gave it to them ^_^

[Boldric]

Very nice to know thanks for the info

[Sleeky]

Originally Posted by Melkorus

the real question is, how did they get hold of your CC number? It's little scary, I use CC/ATM Card for everything, to buy 25 cents pack of gum or to purchase new $700 TV, I always use cards and never got cash on me.

Friend of mine told me that the store he works at had to hang on to credit card recipts for 5 yrs. Incase either the cops or the store itself wants to do a check for things. I would presume a stolen CC floating around and such.

All those little pieces of paper have to be kept somewhere. Chances are in a couple of hundred boxes stored in a room...somewhere.

--==OR==--

Ever go to a resteraunt and paid with a CC? You hand over your card and your server comes back with something to sign. Fill in the rest yourself.


--==OR==--

I know guys who do this. We all head out to a bar and one guy hands over his card saying "Just keep 'em coming"......again fill in the rest.


It's not so bad using an ATM card these days. The recipt you get from an ATM blocks out some of the numbers on your recipt. Heck when I call for pizza to be delivered I pay with my debit/ATM card.

However Mel there is the ATM scam.