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Am I screwed? [credit card scam] [SOLVED]
Rikushix
VancouverRegistered User regular
VancouverRegistered User regular
About half an hour ago I just got a call from "VISA" notifying me (they had my name) that my credit card needed to be reissued since it was expiring this month. When I told the man over the phone that my card expired in June, not January, he said that it was a misprint and I needed to get a new one right away, then asking me to get out my card and a piece of paper.
Now, I'm not stupid, obviously this is a scam. I said I was late for work (I really should have just told him to fuck off). *69 reveals that "the number cannot be reached by this service".
My question is, clearly they know who I am already. Is giving my expiry to someone enough to set them up with the means to exploit me? Did I fuck myself over by saying "no, it expires in June?"
Now, I'm not stupid, obviously this is a scam. I said I was late for work (I really should have just told him to fuck off). *69 reveals that "the number cannot be reached by this service".
My question is, clearly they know who I am already. Is giving my expiry to someone enough to set them up with the means to exploit me? Did I fuck myself over by saying "no, it expires in June?"
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edit: and another thing. He was really interested in continuing the call, and asked what a good time would be to call back.
I got into a debate with my mother about that. Maybe it was wishful thinking but I thought it might be easy to use someone's credit card if you didn't have the expiry. Do you really need the correct expiry to use one online?
Man I feel stupid asking these questions.
And I have no idea if they actually have my card number or CVC. He asked me to "get my card out" but I said I had to go before he got more specific.
Did you google the number rather than *69 it to see if it could be related to your bank in any way?
It seems unlikely that they could take anything from you knowing just the expiration month, however, if you want to be sure just call your bank and ask them if there are any issues with your account. If you really want to be sure, just cancel the card and get a new one.
In some cases you need it right the first time, but not to keep billing against it once it's saved. My card was used for my PSN account to put money in the wallet way back when I first go my PS3, but I never updated the expiration date when I got a new card. They still let me charge it until the original expiration date passed.
PS3 Trophies
There may be a way out there for the more criminally inclined, but i think your standard identity thief would need all the info.
No activity so far, and I have to go to work. I'll keep checking up on it.
Thank you all for your input.
Caller ID numbers can be spoofed. It may look like it belongs to the bank, but blocking *69 is a bad sign.
Anyway... This sounds like a new version of the Account Services scam, meaning they don't have anything you don't give them. That's not a guarantee, though: the calls going around here go after both homes and small businesses, claiming to be confirming recent credit card transactions. Everyone where I work knows better than to comply with anything like that, but if some halfwit register biscuit somewhere gives them the information off a couple store copy receipts, they could get something. Not enough to steal the card (the receipts usually only a partial number and the expiration date), but enough that if they target those people, they might be able to put the pieces together if they hook one of them and they get suspicious halfway through.
I wouldn't take chances. Call your credit card company, tell them what happened, and that you think they may have at least partial information from the card. They might have precautions short of canceling the card outright for cards that might be vulnerable but don't appear to have been actually stolen.
Most banks will issue a replacement card for free or for a very small fee, considering the minor inconvenience of replacing your card I'd recommend you request a new card from your bank when you are able.
It would be a good idea to call the fraud department at your bank, though.
Yes this 100 times this.
You get a weird call about your credit card, you *69 the number and it's fruity (which isn't too uncommon, actually -- many service industries are "Unknown," even stuff like local Target pharmacies), and you talk to your mom and ask us?
Why didn't you immediately call your credit card company back using their own number on the back of your card? "Hi, I just received a phone call from you regarding my account, can you verify that? They wanted me to do this and that and it didn't match so I hung up on them, and I'm afraid something fishy was going on."
In Canada, credit cards now have a microchip and need to be inserted into the card reader, then you enter a 4 digit pin. Makes things much harder to spoof.
I work for a major university - and none of our stores have chip yet. A lot of places don't have chip readers, and even chip cards can be used just as easily at them.
My recommendation is call your card issuer, at very least get them to flag the account for monitoring, but preferably get a replacement card.
There's no "fishy" about it, it's obviously a scam. My question was whether it was possible he had my information already. I had to run to work (as poor an excuse as that is), so I'll give Visa a call now and see what the response is.
Also I should mention that my card does not have a chip in it - debit card yes, credit card no. I received my current credit card right before chips became widely implemented in Visas and Mastercards. I'll also echo what someone else said, many businesses don't utilise the chips. Mine is one of them. When customers use a debit card, they swipe it at the terminal in front of them. When they use a credit card, we take the card and swipe it at the register.
Get them to issue a new card because they have some of your details.
This is so simple and quick it will take less time than posting this thread.
Satans..... hints.....
In addition, I got LifeLock Service, placed credit monitoring on all three credit reporters and contacted the Social Security Administration and filed an identify theft watch with the Federal Trade Commission, in addition to local police department. The Army criminal command flagged my army stuff as well. What ended up happening? Nothing. The thieves never tried to do anything with that information.
But you must always take every precaution! If I ever lose control of my credit or debit cards for more then a day, I call and cancel them. Don't mess around with identify theft. That shit will mess with your credit.
I realize this was the inevitable solution but I wasn't sure just how dangerous your expiry is on its own in the hands of unscrupulous fraudsters. Better to be safe than sorry I suppose.
edit: Sage advice, Talon! Sometimes I think myself too trusting.
Yes this! If you get a call from your CC provider and you're not entirely sure it's them, hang up and then call the number on the back of your card. They can confirm it for you.
Edit: I see you already had them issue you another one just in case...probably a good idea.