Credit Card Phishing
By Will from Holland
Will You Be Lucky Enough To Get A Call Like This?
You're sitting around when you get a call from someone who says they are with your credit card company's fraud department. There's been "suspicious" activity on your account.
Because you are very smart, you know scam artists make calls like this and start questioning the caller.
"Well, I understand your suspicion," she says, "but my badge number is 148236. You're welcome to call the number on your credit card if you don't want to talk with me, but please talk with someone in the fraud department immediately. We think someone is charging to your account."
The lady sounds pretty legit, but you're still thinking about hanging up when she continues...
"To make sure we are talking with the card holder, can you please verify that this is your account number?"
As the lady reads your account number and personal details, you start paying more attention.
And then she asks, "And can you tell me if you attended Very Smart High School four years ago?"
"Uh, Yes I did."
"And is your Social Security Number 222-22-2222?"
"Yes, it is." This person is sounding more and more legit.
"And is your dog's name Fire Plug?"
"Fire Plug" is the password you put on all your accounts. This person obviously is legit.
"Did you by any chance purchase a home cinema set for $1480.73 at a company in New York?"
"No!" Now you're getting a little nervous. Your credit limit is $1000 and someone has charged $1500!
"Well, there's a charge on your card for that amount. If it is legitimate, your card would be way over its limit, and we would have to cancel it and report you to the credit bureau. But if it is a fraudulent charge, we can help you..."
"Oh, I definitely didn't make that purchase! And please don't cancel my card."
"You're sure you didn't make the charge?"
"Oh, very sure."