Received this email today it's worth a read, might save you some money.
Subject: Fwd: Fw: BEWARE THE LATEST
>>
>>
>> This one is pretty slick since they provide Y O U with all the
>> information, except the one piece they want.
>> 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.
>>
>> One of our employees 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 London?" 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 0800
>> number listed on the back of your card (0800-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 are 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
>> if you do", 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 - 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 MasterCard 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 too 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 .
>>
>> Please pass this on to all your family and friends. By informing each
>> other, we protect each other.

Thanks Jenny!

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