Clever scam on credit/debit cards

As far as I know, the first 4 digits on the secuirty strip, are the last 4 from the card number on the front. Them being able to tell you the first 4 is supposed to make you think they know the last three. Common sense, ring them back.
 
Grimley said:
The credit card companies already know your card details, so when someone phones you (whoever they are) & asks for them, anyone with a smidgeon of common sense should be suspicious, hang up & report it.
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Problem is what if they ring you and tell you your name, address, credit card number, start date, expiry date and everything but the 3 digits that they are after?

I reckon a good percentage of people would fall for it. I know my mum and dad would.
 
I had the unfortunate time of working for a Credit Card Insurance company.

I had to cold call and tell them I am calling 'on behalf' of several banks and had to ask them to confirm their address and postcode before I carried on.

The amount of people who actually gave me this information was terrible, along with card details to setup the insurance.

I left as I felt like a scammer even though it was a legit company who was given the thumbs up by the FSA.
 
It's only a scam when gullable people fall for such things as outline in that link. Anyone with any slight bit of intelligence would know straight off not to give out any information what so ever in regards to credit card details.. If the person that is calling is legit, they won't need to confirm anything but your name and possibly date of birth and a couple of letters of your secret question (like the 3rd letter and 5th letter of the answer to your secret question)

No credit card info is needed or any online login information is required.
 
It is worrying to think that these people who call up to scam people must catch so many people off guard to make it worth while

Many who fall for it must need help putting on their underwear :p
 
I got scammed bank phoned and asked why I bought lots of stuff from itunes. I havent and they also bought some stuff from france with it :( bank stopped it all and will be refunded. but heh it happens to the best of us.
 
DAvE18 said:
I got scammed bank phoned and asked why I bought lots of stuff from itunes. I havent and they also bought some stuff from france with it :( bank stopped it all and will be refunded. but heh it happens to the best of us.
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That's being defrauded, not scammed. A scam is a confidence trick.
 
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"Claim: Scammers pretend to be fraud investigation agents for Visa and MasterCard in order to obtain credit card security codes."

I read this an immediately thought "retards"
 
Telescopi said:
It's simple, if your bank calls you asking for information you have to give it to them, otherwise they can't prove it's really you.

If anyone else calls you pretending to be your bank don't give them any information it's a scam.

My bank hasn't explained how I tell the difference yet but as far as I can see it's good advice so far :)
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The couple of times my bank has called I've arranged an appointment to speak to someone at my branch.

This is why I won't open an internet bank account.
 
Telescopi said:
It's simple, if your bank calls you asking for information you have to give it to them, otherwise they can't prove it's really you.
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I might have a hard time understanding how you've written this but no, I don't have to give it to them. In fact it's not often they call me asking for details, rather me calling them then having to give details. I would just hang up.



Telescopi said:
If anyone else calls you pretending to be your bank don't give them any information it's a scam.
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Again, I wouldn't be giving my security details to anyone who called me first.
Though when banks call you they only ask you for birth dates/adresses but if you call them, you have to give more.

It makes no sense them calling you and asking for I.E, 1st & 3rd security # because down the line they could just ask for the next load of random numbers and have it.
 
Telescopi said:
It's simple, if your bank calls you asking for information you have to give it to them, otherwise they can't prove it's really you.

If anyone else calls you pretending to be your bank don't give them any information it's a scam.

My bank hasn't explained how I tell the difference yet but as far as I can see it's good advice so far :)
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lol


ChrisJSY and AcidHell, read what i quoted... FULLY :)
 
Burnsy2023 said:
Has anyone read a Kevin Mitnick book? Especially the Art of Deception? This is one of his key tools to get confidential information. By having a limited amount of authentic information you gain credibility to get information you don't possess.

Voda, BT and others should be ashamed of themselves.
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Read that book, really interesting read, not to mention useful, and yeah if you are on the receiving end of a phone call, you shouldn't hand over any details.
 
If I get calls asking me to verify who I am I tell them where to go until they can verify who they are to me. I tell them that they have contacted me and expect me to hand out personal data to what amounts to nothing more than a 'Voice on the phone' Most of them are not sure what to say, I tell them that I will contact them if I want to review my services or query something. Currently BT are getting on my nerves with their crappy email verification rubbish where I have to enter all non bt email address's into my BT yahoo account before I can use them through my BT line, what the hell business is it of theres what non BT accounts I have.
 
Usually the first thing you know about "suspected fraud on your account" is that the card stops working. You'll typically then go on to phone the bank yourself and sort it out. I've never heard of the fraud department phoning a customer unless it's about a case which is in process (which of course the customer would know about).
 
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