Credit Card Scammers

Don’t Let Credit Card Scammers Leave You Hanging On Like A Yo-Yo

When you wake up in the morning and the ‘larm gives out a warning..or wait that’s not the alarm but your phone ringing and it’s 5am! All you can think about is who could be calling me this early in the morning?!

You: *groggily* Hello?
Caller: Hi, this is Dan from (fill in with name of your bank). I’m calling to let you know that your credit card was used without authorization last night.

Frazzled by the warning, you rack your brain trying to think about where your credit card number could’ve been swiped, but it’s too early to function and you haven’t even had your first cup of coffee yet. You immediately react and rely on the so-called representative to fix this issue quick before the culprit makes anymore unwanted charges on your card.

You: Well, I bank with with (fill in with name of your bank)…

They cut you off before you can finish your thought.

Caller: Ok that’s great, so I’d just like to confirm your credit card number beginning with 6283…do you mind giving me the next eight digits to confirm your identity?
You: Yes yes, that’s my card… (you proceed to give the representative the rest of your credit card number without realizing the initial numbers they had given are standard with a credit card from your bank).
Caller: Thank you for your cooperation, we will get back to you with the status of your card.


As you rub the sleep from your eyes, relieved that you dodged a bullet, there’s one of two things that could be going through your head…

  2. It doesn’t hit you that you gave your credit card number to someone who never confirmed they were really a representative from your bank until you see the OUTRAGEOUS charges on your credit card dated right after that conversation took place.

In reality, you may have not been hit with this scam, but it is definitely a bummer once you’ve been targeted. Until then, here’s a few things you should remember:

  1. Always be on guard when you receive an unexpected call no matter what time of day it is. Scammers are betting on victims to give up information when they are caught off guard (i.e. early in the morning).
  2. Despite a representative claiming they are from your bank, do not give your account number to anyone over the phone unless you’ve made the call directly to your bank or a reputable company.
  3. If you have an uneasy feeling about the caller, it’s ok to hangup so you can call your bank directly to confirm the so-called unauthorized charges.
  4. If you’ve been targeted or have been a victim of this scam you should contact the police immediately.

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