If you get a phone call from your “credit card company” asking you to verify the Card Security Code (CSC) on the back of your credit card, don’t give it out!
They are scammers who are looking to rip you off. Here’s how the scam works...
The criminals calling you have already obtained your credit card
number fraudulently. Then they claim your card was flagged by Security because of an unusual purchase.
When you deny making the purchase, a very official-sounding voice assures you that a credit will appear on your next statement.
At this point, the caller asks you to provide the three-digit number on the back of the card to verify the correct card is in your possession. Or, they may give you a telephone number to call, where you will be asked to reveal the number.
Once the crooks have the number, they can charge anything in any amount up to your credit limit from any vendor and they will not be questioned.
No matter how official a caller may sound, never give out the CSC number. Visa refers to the number as a CVV2, MasterCard calls it a CVC2 and American Express and Discover named it the CID.) It’s all the same information—your credit card company will never call you and ask for it.
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