Beware of a new innovative Credit Card Fraud
Mimicking the automated call from the Bank
Yesterday I almost fell into this Credit Card Fraud trap and I think, I should let the community know about this new innovative fraud technique. Usually we all know that the Bank keeps on repeating that they will never call us for any change related to the Credit Card, and there has been occasions before, when someone would call representing them as a bank official and I would simply disregard them, blocking the number. But this was not a human voice and instead an automated voice, and this is the first time, I came across this : Congratulations, you can now avail a free credit limit increase on your ICICI Bank Credit Card ending with xxxx. We have sent a message on your phone, please click the link on the message to proceed further.
The SMS came right at the time of the call, so there was no window left to think even. And I do receive similar calls from the banks, when I have a high value cheque presented for clearing, or a high value transaction done in the credit card. I have enabled them since a fraud happened on my credit card few years back, when someone did a transaction of 90k to purchase a bike at Pune. Fortunately I was not physically present, so the dispute went in my favor, with the bank taking care of that. And this time, the tone was exactly similar - a machine voice. But unfortunately, they reached to a wrong guy, who never want to increase credit limits, because it can brings in more risk of a fraud involving a bigger amount and more ever, I don't need them.
So I answered NO to the call ( ya, it was recognizing voice commands and even keyboard) after which the call got disconnected. But then when I closely looked at that link sent in the message, it definitely was a malicious link, which can easily trap a user, should he selects to proceed further. And I am sure, they have all the details of our Credit card as well as contact details, as the call started addressing me by name.
So going forward, I will be very careful answering calls that even sounds like automated as well. Stay alert, the fraudsters are always trying to come up with newer techniques that we might not know.
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Thanks for sharing this, Sanjeev.
It's a timely reminder to stay vigilant against evolving fraud tactics. Automated calls can be deceivingly convincing, and your experience highlights the importance of always verifying before responding.
Stay safe, everyone!
Wow that's really alarming. Thanks for sharing your experience. I'll be more cautious with automated calls. Thank you so much. The fraudsters are trying to get smarter everyday
I wonder, how much strategic planning they must have done !!
indeed brother !WINE
Good thing you notice it early sir. Yeah, nowadays we must be vigilant with fraud.😊 Most especially that all our accounts are connected online.😊
This kinda cyber crimes are alarming nowadays. Thank you for sharing brother.
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All these fraudsters are everywhere if not careful one will fall into their enticing trap. Good enough, you were able to outsmart them.
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No matter what the banks offer, remember that they always offer incentives to lure customers into a loan trap.
Ya and then once you give in, no one will listen to you.
They keep sending me things like this almost everyday of my life
These fraudsters are getting smart everyday but we have to be smarter
I appreciate you disclosing this scam. These days, we must be careful of this kind of fraud.
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I'm glad you thought better of it!
Good that it came for Credit limit and now I am aware.
There are so many fraudsters everywhere so we have to be very careful
I’m glad you didn’t fall for the scam
Scammers are trying different tricks to scam people and we need to be vigilant and keep our eyes open from such traps. Thanks for sharing this @sanjeevm
That is very true, friend, scammers will always look for a way to try to take our money. Frauds are the order of the day. That is why we should always be distrustful when receiving a call from a banking agency.
Extreme care must always be taken when protecting ourselves from possible scammers who pretend to be different things to try to commit fraud.
Good that you're sharing this scam.
These scams are becoming more and more advanced nowadays compared to the past. Making people aware is still the best thing we can do!
There is so much of scams out there that we must really pay attention to and be careful of actually
Fraud attempts are becoming more and more articulate, and we must be increasingly careful not to fall into this trap. Thank you for this post that highlights that we need to always be alert and wary when we receive an automated call or message
!discovery 30
Mimicking an automated call and timing the SMS at the call time, they definitely are very well organized technically.
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This cyber crime is really getting so much and something really needs to be done to it
yes.. the scammers are so clever nowadays and seem to get the right timing to sucker people too! 😑😖
Yes this is true. My friend lost about 35000 rupees by this. They will say they are managers from the bank and they will ask details and OTP. OTP we should not share with anyone. If we say OTP means then story is finished. Thanks for reminding and making us alert.
I'm thinking they might have used a voice changer, or a text to speech application for the voice message. There are a lot of scam links and texts in the Philippines as well. How I usually tackle it is if I didn't initiate anything, I ignore it. So if they inform me I can increase my limit, or eligible for a new card, If I didn't request it, I just don't do anything.
Seems, we will have to do the same.
It's sad that these scammers can roam so freely and just keep on experimenting with different ways until they finally catch some people.
They live in 3rd world countries usually and there is nobody going to arrest them or fine them for their actions.
I have heard, they have pretty big offices operating in tier 2 cities employing many people who are doing this. Unfortunately, those people working for them are not worried about others, ideally they should not accept such offers.
These days, fraud is becoming rampant.
Thanks for awaring 😄
https://x.com/lee19389/status/1813765338049454283
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Yes my dear friend you give the more informative information because more scammer are the trying the new methods for the gaming and really I am thanks for you because you share this information.