Update: Years ago, I started getting phone calls from “Heather” at “account services” about my credit card. The message never identified what credit card company it meant, nor who the cardholder was supposed to be. It just wanted me to press 1 to speak to a live operator so they could lower my interest rate. I no longer get these calls, but this scam is still alive and well, five years later.
I’m sure the point of this is to get you to give up your card number. I knew it was a scam because (in addition to the lack of identification) the phone number on Caller ID came up “unknown”, which is not true of any card company I deal with.
I’ve never before had a scam like this over the phone. It’s like phishing, except it’s phone rather than email. Please be very careful, especially during the big shopping season.
- Never, ever give your credit card number to someone who called you. Even if you believe it really is the fraud department from your credit card, for example, you should hang up and call the number on the back of your card (NOT the number the caller leaves), and from there be connected to the fraud department.
- I also never, ever click on a link in an email, even when I’m pretty sure it’s actually my credit card company letting me know my statement is available or whatever. I just go to their website like I normally do from my bookmark in my browser, and navigate to whatever they’ve notified me about.
Be sure to warn friends and family!