Credit Card Scams

I thought with the smart card chip embedded in the credit card, there would be less problems of card cloning. But criminals will always try to beat whatever advances made in technology. I remember reading of a syndicate cloning credit cards originating from Malaysia. I am so ashamed!

Somebody must have have known that my daughter, Zay has just received her first principal credit card. Previously, she has a credit card, but only a supplementary card.

This morning, someone called her from a private number claiming to be from a credit card centre and  requested for her credit card details. The person knew her name and credit card number and wanted the last numbers on the reverse side of her credit card.

First, she has been using her card for some time now.Why should the credit card centre want to verify that she has the right card? Furthermore, anybody at the outlets where she had used her card would be able to see her name and credit card number on the merchant copy of every transaction. Sensing something amiss, Zay did not give the numbers requested by the caller. The caller was quite annoyed, she said.

 When Zay called her Dad and I on the incident, we were quite relieved that she did not reveal the security number as requested. I would like to remind everyone that we:

 SHOULD NEVER REVEAL OUR PERSONAL DETAILS OVER THE PHONE OR VIA EMAIL TO ANYONE. THE BANKS WILL NEVER CALL TO ASK FOR YOUR ACCOUNT NUMBER OR YOUR CREDIT CARD NUMBER.

 DO NOT ANSWER CALLS OR RESPOND TO SMS FROM PRIVATE NUMBERS OR UNFAMILIAR LONG NUMBERS. The latter is normally from outside the country.

If someone knows your name, credit card number, security code number and other personal details, he could use the information to conduct online transactions and you will be cheated by these illegal transactions.

REMEMBER KEEP YOUR PERSONAL DETAILS TO YOURSELF AT ALL TIMES.