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CONSUMER ALERT - CARD SCAMS
Credit and debit card scams come in all forms. A common one involves recorded phone calls reporting that your debit card has been locked by your banking card center. The victim is instructed to enter their 16-digit card number in order to unlock their card.
Do not fall for it. Do not enter your debit card number. Hang up and report it to your bank. Security State Bank & Trust will never call to ask for your debit or credit card number.
Important information from the Federal Trade Commission
Much has been reported in the media recently about the new credit and debt chip cards designed to reduce fraud, including counterfeiting.
Unfortunately, scammers are trying to take advantage of the millions of consumers who have not yet received a chip card.
Here is what is happening: Scammers are emailing people, posing as their card issuer. The scammers claim that in order to issue a new chip card, you must update your account by confirming some personal information or clicking on a link to continue the process.
If you reply to the email with personal information, the scammer can use it to commit identity theft. If you click on the link, you may unknowingly install malware on your device. Malware programs can cause your device to crash, monitor your online activity, send spam, steal personal information and commit fraud.
So how can you tell if the email is from a scammer?
- Your card issuer will never contact you by email (or by phone, for that matter) to confirm personal information before sending you a new chip card. Do not respond to an email or phone call that asks you to provide your card number.
- Still not sure if the email is a scam? Contact your card issuers at the phone numbers on your cards.
- Do not trust links in emails. Only provide personal information through a company's website if YOU typed in the web address yourself and you see signals that the site is secure, like a URL that begins https (the "s" stands for secure).
To learn more about protecting your personal information, check out the Federal Trade Commission’s website at consumer.ftc.gov. (Information re-printed from Colleen Tressler, Consumer Education Specialist, FTC.)