Yet another new credit card scam has emerged – and you could easily fall for it, if you’re not careful!
Every day, con artists are thinking up new ways to cheat innocent folk of their hard-earned money. On June 21, Facebook user Timothy Tye shared a real-life credit card scam that happened to someone he knows. Read it here:
BEWARE OF THIS HOTEL SCAM
You arrive at your hotel and check in at the front desk. Typically when checking in, you give the front desk your credit card (for any charges to your room).
You go to your room and settle in. All is good.
The hotel receives a call and the caller asks for (as an example) Room 620 – which happens to be your room.
The phone rings in your room. You answer and the person on the other end says the following: ‘This is the front desk. When checking in, we came across a problem with your charge card information. Please re-read me your credit card numbers and verify the last 3 digits numbers at the reverse side of your charge card.
Not thinking anything is wrong since the call seems to come from the front desk, you oblige. But actually, it is a scam by someone calling from outside the hotel. They have asked for a random room number, then asked you for your credit card information. They sound so professional, that you think you are talking to the front desk.
If you ever encounter this scenario on your travels, tell the caller that you will be down to the front desk to clear up any problems. Then, go to the front desk or call directly and ask if there was a problem. If there was none, inform the manager of the hotel that someone tried to scam you of your credit card information, acting like a front desk employee.
This was sent by someone who has been duped… and is still cleaning up the mess.
A screenshot of Timothy’s original Facebook post can be found below.
According to SCAMwatch, here are 10 ways you can protect yourself from falling victim to a credit card scam.
1. You should NEVER give credit card details to anyone you do not know and trust. Banks would never call up to ask for credit card details, so if someone does so, claiming he is from your bank and needs to “verify some details”, never give them what they ask for. Instead, end the call, then phone up the bank’s official customer services hotline to verify the authenticity of the earlier call.
2. If you are buying something over the telephone or internet and want to use your credit card, make sure you know and trust the other party. If you want to provide your credit card details to a telemarketer, take their name and call them back on a phone number you find independently (i.e., not a number they give to you).
3. Check your credit card statements thoroughly when you get them every month. If you see a transaction you cannot explain, report it to your credit card bank.
4. Keep your credit card and ATM cards safe. Do not share your security code (the three-digit number at the back of your credit card) or personal identity number (PIN) with anyone. Do not keep any written copy of your PIN with the card.
5. Choose passwords that would be difficult for anyone else to guess.
6. Avoid using open Wi-Fi networks (at cafes, restaurants, hotels or any public place) to do your internet banking. Open Wi-Fi networks are not secure and hackers can easily get your details.
7. Do not use software on your computer that auto-completes online forms. This can give internet scammers easy access to your personal and credit card details.
8. Never send your credit card details through an email.
9. After you’ve done an internet banking transaction, always clear all history from your browser.
10. If you’ve lost your credit card, do not waste time. Immediately call up the customer service hotline and report your missing card. They will cancel your card immediately and issue you another one. This way, even if your card has fallen into the wrong hands, your quick action will prevent any transaction from going through.