Credit Card Scam


Deleted, at user's request.

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 "MasterCard". 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
for £497.99 from a Marketing
company based in London?"
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 correct?"
You say "yes". The caller
continues - "I will be starting a
fraud investigation. If you have
any questions, you should call the
0800 number listed on the back of
your card (0800-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 MasterCard 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 MasterCard" 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


TK Veteran
Good information post moh, will keep an eye on that one, it is so simple it beggars belief and I can see how people unaware of the scam will be taken in - must admit I would probably have been caught with that one!!!! will inform whoever whenever I can, cheers.


VIP Member
This is an old school scam that has resurfaced. This one was floating around 10yrs ago, and was very convincing here in the states. There are certain numbers that Visa/Mastercard use in a certain order, that made it easy for them to scam people.