don’t get hooked in a “phishing” scam
It’s probably the most common scam out there. You get a text, phone message or e-mail reporting a problem with your credit or debit card. It seems legit, and you’re prompted to respond. When you do, you’re asked to provide confidential information. Do that and guess what? You’ve been hooked!
This most common of scams happens, most commonly, before the holidays and long weekends, giving the scammers extra time to empty your accounts. No matter how legit the text, call or e-mail may seem, be very wary of any unsolicited message asking you to provide:
- your name and online user name
- address and phone number
- social security number
- account password or PIN
- account number
- credit card validation code (CVC)
Suspicion is your best protection. Instead of responding, verify the message by going straight to the source – look up the actual number of the bank, credit union or business where the message seems to have come from, and call. Chances are, they didn’t send it. Why? Because no reputable company will ever come out of the blue asking for confidential information. It just isn’t done.