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]