Learning how and when to say things over the telephone is important in protecting your identity.
I received an email from a friend who lives here in the Treasure Valley that highlighted the importance of keeping credit card information secure. In the email, my friend detailed how she’d received a phone solicitation about her credit cards.
It goes like this: The scam is that the telemarketer makes it sound like your credit card has been compromised. The caller asks if you had made any recent purchases of anti-marketing devices. The caller then asks you to confirm credit card information– including your security code. He says there will be a refund of $497.99 appear on your statement. But, in reality, he has just debited your credit card for a purchase in that amount.
My friend says she received the call and fell for it, providing all the required information. But, don’t you. Here’s why.
“But after we were called on Wednesday, we called back, within 20 minutes to ask a question,” my friend says. “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.”
BBB says never give out personal information.
Get all the information you can from the caller: Name, department, phone number, extension, etc. Then, tell the caller that you’ll need a moment, hang up and find your statement from your credit card holder. Or, look on the back of your credit card and call the company and ask for the person by name.
Taking this action stops any chance of the scammer from getting your credit card by deception, and make sure that you’re talking with a real representative from your credit card.