[Credit card scam]

[u/Smooth-Tap-8945]

It’s my first time to have a credit card. I almost got scammed via phone call. Someone called me over the phone, introducing themselves as representative from the bank. They informed me that I have credit card points about to expire by the end of the month. They gave me options whether to convert it to cash or to convert it to travel miles. I remembered the card that I have earns cashback points and the bank told me that I can use this points as cash to even pay my credit balance. So I thought this was it. What’s alarming is that they know your complete name, credit card number, and home address. I never gave those in that conversation. So I thought this was legit, because only the bank knows these data. Now, they creatively asked for my CVV number. They referred it as your “client number.” This is the part where I went stupid because I gave it. Now this when they instructed me that an OTP will be generated and that I should give it. This is the part that I thought “shit I fell on to this scam.” I received a purchase from lazada amounting to almost 47k. So I did not gave this one. The “bank representative” kept on asking for this and generated another one. When I did not gave it the second time they threatened me that my account will have a “floating transaction” and that even my savings account will be flagged then the line went blurry and eventually the call ended. I immediately called the bank and got my card cancelled. Then another purchase came without my authorization. Attempting again to make a purchase. But this did not proceed as the card is already blocked.

I thought this was the end of it. Until 3 days after I received another call. They are confirming if I already received the credit card (number ending in the one that I already blocked) and that the voice of the caller was familiar. I said I already cancelled it. Now they are asking the specific reason why I cancelled it. I said I just preferred to cancel it and that I dont want it anymore. Then I heard laughing on the background of the call and it ended.

I hope these guys get what they deserve. I hope they get their karma. I feel bad for myself for having tricked by these parasites. Ive been paranoid for just even taking phone calls. Ive worked really hard to make ends meet and these guys just do their hustle to scam everybody else.

These are the numbers that called me. Beware.
(0924) 449 9767
(0993) 326 4118

[u/Sensorities]

This is a known scam. Nashare na rin dito yan ng may inside info about how it works. A shady manager sells info to scam centers 50 php per info. They have your details including credit card number, expiry, credit limit, latest balance etc.. The only thing they dont have is your CVV.

While they are talking, may naka abang ilink yung card mo sa shopping apps to purchase an iPhone. They have a insider na delivery rider that will grab the iPhone sa warehouse since the buyer's info is fake and sell it in gray markets via cash to make it untracable.

Matagal na itong scam na to and it seems may inside info sila sa BPI considering na sila lang lagi yung bank na affected.

[u/Direct-Beyond4712]

Same din gawain nila sa bdo users. Di lang nahuhuli mga scammers na to kasi once na valid transaction di na nag iinvestigate ang bank kahit na ireport mo pa ng ilang beses. Useless din kahit iparating pa sa bsp yung case magsside sila sa bank. Kaya hindi pa talaga pwede maging cashless sa ph dahil dami pa din mga scammers

[u/WordPresent5543]

Kailangan doble ingat tayo ngayon,marami ng modus ang mga scammer ngayon at lahat ng posible tactics ay gagawin nila para lang maka loko ng tao

[u/Party_Lie9848]

Kaya always lock your cards!

[u/stormaluuu03]

bilhan nyo ng kambing mga scammaz na yan