5 Ways To Make Sure You're Actually Talking To Your Credit Card Company

When you consider the risk and high cost of identity theft, it pays to be skeptical whenever someone calls you and claims to be from your credit card company. How can you verify that they’re legit? Reader Cathy points us to bloggingawaydebt.com, which offers five simple things to do if you want to make sure you’re not being scammed.

One thing is to ask the person to tell you your balance and due date: “They are allowed to give out that info, and it should be correct. If not, a red flag should go up.” You should also call the number on the back of your card and speak to someone in their fraud or security department if you are suspicious.

We’ve had similar phone calls in the past, and we always tell the person that we’ll call the number on the back of the card and navigate back to their department that way. It’s earned us a few amused responses, but it’s a relatively easy way to be safe.

What Do You Do If A Credit Card Employee Calls You? [bloggingawaydebt.com]
(Photo: Getty)

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  1. jamesdenver says:

    As if I’ve ever even given my real phone number(s)to any credit card company.

  2. timmus says:

    In my book, the telephone is only for the use of my friends and family, and is not an authorized way for any call center to deal with me. If any company has a bone to pick, they can send a letter.

  3. Amelie says:

    Most of your articles are great, but occasionally you post stuff like this and “How To Do Laundry,” that seem more appropriate to a Home Economics class.

    It seems fairly obvious that the best bet when receiving a call from your CC company, is to call them back on the number provided on your card. In fact, I wouldn’t have picked up the phone in the first place.

  4. doctor_cos wants you to remain calm says:

    Right. I can’t cancel over the phone (without a ghastly ordeal), so they can’t change anything over the phone back.

  5. Rubyredgirl says:

    The tip about the caller ID saying “unknown” is incorrect. That may apply to that one company, but not to every single company.

  6. thepounder says:

    I know this is a bit on the crazy side, but I’ve answered as my own butler before. “No, m’lady, the gentleman of the house is not in at the moment…” (British accent included)

    I typically ask them to regurgitate my mailing address and balance to make sure it’s not some punk kid with a scheme on his mind.

  7. huadpe says:

    I had a call from my CC company recently about suspicious purchases (that were legitimate) because I moved to Canada and rather abruptly changed my spending patterns, as well as country. I didn’t have to provide them and info though “Are you huadpe?” “Yes” “Ok, we’ve noticed the following pattern of purchases and want you to confirm them.” So I didn’t call back the number on my card because they didn’t ask me for any identifying information, and they gave me information that only my actual CC company would know. I do wonder whether they ought to have given me some security questions though.

  8. adamondi says:

    I feel the same way about credit card companies calling that I do about my cell phone company calling. If I want anything from them, I will do the calling. I don’t need some putz reading a script in their call center wasting my time. This is what email and snail mail are for. If they need to get in touch with me, they can use those routes.

  9. zl9600 says:

    If you ask them “can I call the number on the back of my card?” and they say yes, then hang up and do it. If they say “no”, then hang up. There is NO reason to give any info out to an inbound caller. EVER.

    Enough said.

    This is a worthless article full of worthless steps. It’s time for a hobby for some bloggers.

  10. wrekxx says:

    @ Haudpe…I work for a card company in fraud and the reason they didn’t ask is because they called your phone which is considered a form of verification. If you then claimed we hadn’t spoken to you we would retort that someone at your # we spoke with claimed to be you, that is the reason for the lack of questioning.

  11. Buran says:

    Hang up the phone and call the number on your card. That’s it. No hassle.

  12. Buran says:

    @adamondi: Yeah, agreed, especially when you’re hearing impaired like I am. Except they have my email address on file, but do they use it? No, not if it’s anything actually important. At least my regular bank emails you a note telling you to check the messages section of their website, so you don’t wind up with important notices going unknown.

  13. aviationwiz says:

    Chase called me about setting a customized bill due date for a new credit card with them. They told me the last 4 digits of my card number and some other information that was right, so when they asked for my address, I didn’t think twice, but when they asked for my phone number, I was like “Umm… you called me…”

    I asked them for a number to call them back on to confirm the bill due date change, and he gave me one that didn’t get any results on google or the Chase website. I then proceeded to call the number on the back of my card, and they confirmed that someone from Chase had called me, and that I had the bill due date changed to what I had requested. Just for further assurance, I emailed them through the secure email portion of their website, and they confirmed it again for me.

    It was quite shady though, because even after I told him why I didn’t want to give him my phone number again on an inbound call, he kept pressing for it. Very odd experience, but I’m glad it was Chase calling, and not someone else.

  14. beyond says:

    I rarely get calls from my CC company, but when I do I just tell them I’ll call them back. I call the number on the card, and take care of whatever they want. Simple.

  15. Sudonum says:

    I was driving cross country several years ago. Spent the night in a hotel in Las Cruces NM. Was just outside of Houston later the next day when I got a call from the credit card company that I had used to pay for the hotel the night before. Apparently there were some suspicious charges on it that day and they wanted to see if I had made them. I hadn’t, they kept the card active long enough for me to check into a hotel in Houston (told them which hotel I was headed to) and then canceled it. Had a new card at the front desk the next day. Apparently someone at the front desk at the hotel in Las Cruces had swiped the info and was using it buy things on line.

  16. witeowl says:

    I got a call a while ago from a credit card that had been gathering dust. They saw my actual use of the card as suspicious use. The phone call went something like this:

    “This is xxxx from xxxx credit card company. Is this Karen xxxx?”
    “Yes.”
    “For your security, would you please confirm your social security number?”
    “Nope, you called me. What’s going on?”
    Amused chuckle. “Ok, would you confirm your birth date?”
    “Nope, you called me. What’s this about?”
    Awkward amused chuckle. “OK, would you confirm your complete mailing address?”
    “Um… no. Sorry. What’s this about?”
    Frustrated chuckle. “Would you confirm your mother’s maiden name?”
    “This isn’t helping. Give me your phone number and extension and I’ll call you back.”
    “Really? If you would just confirm…”
    “Really.”
    “Ok, fine. Just make sure you call right back.”

    Cut to ending similar to AVIATIONWIZ after calling the number on the back of my card (not the number he gave me).

    Honestly, they shouldn’t get annoyed when we have half a brain about security.