Credit Card Phone Scam

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Identity Theft Protection Blog » Credit Fraud Theft » Credit Card Phone Scam

January 12th, 2012 Bernz Posted in Credit Fraud Theft, Credit Monitoring, Credit Protection, Fraud Alert, Identity Theft, Identity Theft Protection, Online Identity Theft, Phishing Scams, Preventing Identity Theft, Scams | No Comments »

This type of scam is when someone calls you claiming that they are from your credit card company and asks you to confirm personal information. This could be anything from your credit card number, the security code from the back of the card, or even your mother’s name. If you give the caller any of this information after the call is over the caller will take the information and start making charges on your account. This identity theft may even create a new account in your name. Sometime these identity thieves or scammers will even leave a number on your answering machine or in an email to get you to call them.

If you should get a phone call of this type make sure that you do not give out any information even if they sound legitimate for the simple reason is that you did not initiate the call. Some of these scammers are so smart that they can even have your credit card company’s number show up on the caller ID by spoofing your caller ID. Only trust calls that you make by using the number on the billing statement or on the back of your credit card. If you get any numbers in an email or left on your answering machine that you do not know do not call them back and give them any personal information.

Call your credit card company immediately if you mistakenly give out your personal information. The credit card company may give you a new credit card number or even a new credit card and deactivate the old one to prevent fraudulent charges from being made on your account.
Make sure that you check your credit card statement closely each month when you get it to see if there has been any unusual activity. If you spot any unusual activity make sure that you call your credit card company and report it immediately. If you mistakenly give out your social security number make sure that you place a fraud alert on your credit report. You just need to call one of the credit reporting bureaus and they will let the other two know about the fraud alert.

The best line of defense is if you should get any type of phone calls like this to hang up. Credit card companies would not be calling and asking you for your credit card number or security code because they already have your credit card number.

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