Please Read If You Have A Visa Or Master Card !!!

Dear my friend,

Please read if you have a credit card...

I received a call from a company that said they are representing VISA.

They will ask you are you using any Visa card, from which bank. Then they said they will send you a Service Card, a new promotion from Visa which is TOTALLY FREE. That card include a free one year RM100,000 insurance cover from AIA.

You can enjoy discount from many many of their outlets, then they ask me for the credit card number for verification and they want to make sure my card is still a valid Visa Card. I refuse to give them the card number cos I know that the last 3 digits of our card is actually like our pin number. They keep asking the number and giving me a lots of reason they need to verify my card.

Then I ask that girl who call me their office number 03-22732600. I said that I am busy right now and I'll call her back later. Before the conversation end, she told me again that the service card is totally free for whole live, but we need to pay RM499 for the processing fee, ask me not to misunderstand ...

Just after I hang up the call , I call back to the phone number that she give me, I ask the receptionist "What is your company name?" Then she start asking me why I call? She ask me did I agree with the RM499 fee and when I said No, she said "then you don't need to know our company name!"

It is a SPAM! I already called to my bank to report the incident. Hope that all of you won't get trap in this kind of SPAM.

WARNING... New Credit Card Scam

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.

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 Master card directly for verification of their conversation.

My husband 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 Device for $497.99 from a Marketing company based in Arizona ?"

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 patternthat flags most cards. Before your next statement, the cred! it 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 1- 800 number listed on the back of your card (1-800-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 made 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 Master card directly for verification of their conversation.

The real VISA told us that they will n! ever 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 to 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 happening.

Please pass this on to all your family and friends! ..