澳洲小心！信用卡诈骗新伎俩

在澳大利亚个人理财



今天收了封EMAIL，提醒关于澳洲最新的信用卡诈骗手段，觉得有必要贴出来提醒大家注意！
WARNING...New Credit Card Scam.
>
>If you have a Visa or Mastercard you might want to read the
>following. This is a genuine scam operating in Australia
>and is likely to
>come here.
>
>
>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 pattern that flags most cards. Before your next
>statement, the credit 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’re 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 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 never 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.

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thks for sharing~

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大概的意思是对方冒充信用卡公司给客户打电话，并谎称他们是反欺诈部门的。
对方掌握了客户的卡号、地址等基本信息，所以客户的戒备心会降低。
最后他们才请客户提供信用卡背后的pin number，这就是关键所在。

所以千万不要向任何人提供你信用卡背后的pin number!

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接到这种电话我一般是让他告诉我号码我打回去找他以确定他的身份，他给我的号码必须是他们的客户服务号码．

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THANKS FOR SHARING, WE REALLY NEED TO BE MORE ALERT WHEN BEING ASKED QUESTIONS WHICH ARE TOO PERSONAL-RELATED AND SHOULD BE CONFIDENTIAL TO THE BANK ONLY.

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顶

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不是知道credit card号码和expired date任何人就可以从信用卡里面划钱了吗？那个PIN NO有什么关键性作用呢？

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偶只知道用CREDIT CARD付账单时候，一定要输入后面三位PIN的

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对的，网上也要的

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我觉得用信用卡本身就什么防范也没有。网上什么都输了，人家要真想盗用的话，什么都有。

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不是每个都需要的！我用信用卡在maxi网上付council rates，就不要pin的！

而且我在公司里面charge顾客电话order的钱，都是只用一个卡号和expired date～～

唉唉，说到信用卡，想到上上个月的事就是一包气！

反正大家千万记得，不要信什么自动转帐拉什么定期付钱拉～洪水猛兽似的狗皮膏药，扯都扯不掉，只好自认倒霉～

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注意一下国内的，现在很多信用卡诈骗也很高明，有时候是多方共同协作！

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同感, 同感!!! 很不安全的说. 所以最好就是定期上网查TRANSACTION LIST, 看看有没有UNAUTHORISED TRANSACTION.

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正解！！！9

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我也觉得信用卡很不安全，所以每次都不放心让别人拿着卡去刷。

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帐单来了要看一下每项支出是否正确. 收据要保存..

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拿到卡后，最好记下卡后面的3个数字，然后从卡上把这3个数字擦去！
这3个数字主要用于电话银行，网上消费的确认。
如果别人知道你的卡号，有效期，但是不知道这3个PIN，很难冒充你去消费。
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