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Credit Card Scam - Beware!!

Fozzza Avatar
7y, 8m agoPosted 7 years, 8 months ago
This may have been posted before - sorry I couldn't find it but it's good to have a reminder.

Please be aware of the latest credit card scam:

This one is pretty slick since they provide Y O U 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 London ?" 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 0800 number listed on the back of your card (0800-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.

Long story - short - 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 MasterCard directly for verification of their conversation. The real VISA 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 too 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 .

Please pass this on to all your family and friends. By informing each other, we protect each other.
Fozzza Avatar
7y, 8m agoPosted 7 years, 8 months ago

All Comments

(19) Jump to unreadPost a comment
tooo much to read
long read, but thanks.
Craig david
tooo much to read

don't be lazy.
cheers, glad I don't have a credit card x x x
Edited version:

Latest credit card scam = some fake peep calling you to try and extract your 3 digit security number from the back of your card. Don't give it out under any circumstances.
well any idiot should know not to talk to someone who says they are from a bank or card place. and should always say ill ring you back and then talk.
Grateful for the warning, thanks and repped :thumbsup:
Not enough to read.

PS: My avy is watching yours! LOL
haha last time i said yeah whatever send me a letter, turns out it actually was my bank calling me! go figure! i must admit barclays have been excellent with me!
Edited version:

Latest credit card scam = some fake peep calling you to try and extract your 3 digit security number from the back of your card. Don't give it out under any circumstances.

lol thanks
Lazy readers lol,

My girlfriends mum was hit by this the other week. She gave them the CCV number 3 Digit PIN and they then charged her card for purchases she didnt make. She reported it and they are currently in the process of replacing her card and getting back the money they took. I cannot beleive stuff like this it's ridiculas. Anyone asking for my personal details over the phone to do with my Accounts or Bank or Cards I tell them to F Off and get a job.
Not enough to read.

PS: My avy is watching yours! LOL

lol :oops:

Watch this one.....
Craig david;4342204
tooo much to read

Your loss!
Craig david
tooo much to read

You don't have to read it all......just give them those 3 little numbers. Simple really...;-)
This has been doing the rounds for years

This is hoax slayers comments

Thus, the outlined scheme is certainly plausible. If they already had your credit card, scammers could certainly carry out the schemes described in the message and have most likely done so in the past. That said, I do feel that the message may significantly exaggerate the actual frequency of such scam incidents. The message implies that this scam tactic is a common occurrence. The individuals featured in the message apparently received two such scam calls within as many days and the message claims that police are taking several reports a day about the issue. However, while this warning message has been featured in many legitimate news reports and financial websites, there is little credible information about how often this scam actually occurs. In fact, an article about the email on notes that Visa and MasterCard officials "know of no specific person who's been scammed according to the story outlined in the e-mail".
Whilst you should never give out this info, alot of Merchants are now implementing 3D secure and/or Verify by Visa. So if you have registered with verify by visa then as well as putting in all of your card number and the 3 digit number on the reverse, with the vast majority of Merchants, you are also taken to a further verification screen where you have to input your personal password that was created when you registered with verify by visa/3d secure. Also on the verify by visa screen it asks for random characters from your password.

Obviously not all merchants have taken this on board as it means quite major changes to their systems but thought this may be of interest.

BUT to reiterate - don't be complacent and never give out the 3 digits in the first place!
Thanks OP

I consider myself to be quite sensible but might have paniced a bit if I received a call saying my card had been charged and actually given out my 3 digit number, especially if the children were playing up at the same time
[Moderator] 1 Like #18
Thanks for the warning, will pass it on to friends and family :thumbsup:
hope more people read this....beware the scammers!!

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