Recently a number of articles warning against "innovative" credit card-related scams caught my eye. Here’s a rundown of situtations to avoid:
Get free sub sandwich; give a credit card in your name: “At Subway, (identity thieves) will buy 50 certificates for a free sub. Then they’ll pick up 50 applications for a credit card,” Glenewinkel said. “They go down to the Outlet Mall and ask people to fill out the applications and receive a free sub. If someone fills out that application, that person has all your personal information, especially your social security number.” (Source: Texas State – The University Star)
What to do: Only apply for credit cards through clearly official kiosks and websites. For that matter, think twice before you enter your contact info in "free car" drawings at events. What do they do with that info?
Thieves call and ask for credit card PIN to verify you’re the owner: "The caller tells the victim that a phony charge has been made to his or her account. When the victim denies the purchase, the scammer says that the company will add a credit to the account. All the victim needs to do is read his or her three-digit personal identification number to prove ownership of the card. The PIN is key to this scam." (Source: The Free Lance Star)
What to do: You’ve heard it a million times. "We will never ask for your PIN." This applies to bank accounts and applies to credit cards.
Call the number printed on your credit card if someone tells you there is a fraud issue.
Who’s getting new copies of your old credit cards? While this article refers to cases in the United Kingdom, it offers sound advice. "Credit card holders need to be extra vigilant about fraud on accounts they no longer use." [The author] describes a number of recent cases where banks have continued to send out cards and Pins after the card holder has moved. (Source: UK Guardian Unlimited)
What to do: Close credit card accounts if you no longer use the card – no matter how much they try to convince you it’s in the best interest of your credit rating to keep the card open. Directly inform credit card companies if you move.
Stopping offers of credit, which may keep coming to your old address if you move, is another useful precaution.
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There’s a new prepaid debit card scam that came up. The UltraVX Visa with a limit of $25,000 is now a scam. I had an account that UltraVX Visa closed and was told it was a fraud. I opened the account with them and made my deposits by Western Union and used the card at store purchases. I made an ACH transfer to my card for $500 3 days after they closed it and was waitng for another larger amount to post that was transferred but not received because they closed my account during an ACH transaction. Now the money transfer was lost. I tried to recover my remaining balance on the card for $65 and I was told Fraud Department would call me. They kept hanging up on my cell phone wasting my minutes on hold. I told them they were stealing my money and won’t give me my money back. Direct Deposit or ACH was free at UltraVX Visa. The most I had on the card was less than $600. and was waiting for an ACH to post when they closed ,y account, accusing me of fraud and not returning my $65 balance left on card. Hope I get my money back. They must have also diverted a large amount during an ACH transaction of $2000+ and currently it’s lost and they deny seeing it on my account and closing my account the day it was transferred. Only waiting for UltraVX Visa fraud department to call me and hope to get my money back and not use that scam UltraVX Visa with a boasted $25 K limit.
Never been asked to fill out some paper work for a sub. If your credit is less than stellar, you can get a free sub, and not worry about identity theft.
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I can relate to some tales here, because I have been a victim before. Lesson learned don’t ever share your pin to strangers. I hate it when I remember how stupid I was.