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Sunday, December 10, 2006

New Credit Card Scam

Sorry, not knitting related ... but thought I'd pass this on. Here's a forwarded message I received about a credit card scam. The Snopes site even reports this as being true!

-----Original Message-----
From: [sender email deleted]
Sent: Friday, December 01, 2006 08:01
To: [cc list deleted]
Subject: New Credit Card Scam

New Credit Card Scam...Snopes.Com says this is true.

See this site -

This one is pretty slick since they provide YOU 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 "Master Card".

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 Arizona?" 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

You say "yes". The caller continues - "I will be starting a Fraud
investigation. If you have any questions, you should call the 1- 800 number
listed on the back of your card (1-800-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 Master card 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 Master Card" 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.



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2 stitch(es):

jayne said...

Oooohh..creepy! They get smarter and smarter about these things. Thanks for the heads-up.

I like the hat on the orange dog? bear? I posed a hat on a stuffed octopus once.

Anonymous said...

Marie, thank you so much for that post. I'm very diligent about things like that, but we all need to be reminded about it from time to time. I'll pass it on, too.