I can honestly say I use my credit card for just about everything. I use it at the grocery store self-checkout, the gas pump, to buy books on Amazon.com, and at the salon down the street for a haircut. On top of my over-used credit card I have a debit/ATM card. I can’t say I use it very often, but it’s there taking up space in my wallet.
I think I could safely say that a majority of U.S. citizens have at least one plastic card tucked away in their wallet. So my card-loving friends, do I have a story for you.
A couple weeks ago I was sitting in my room doing some homework for the next day, when my phone started ringing. As a rule, I always answer the phone, even when I’m not sure who it is. The number was withheld, but as par, I picked up the phone to find out what the call was about.
“Hello?”
(Automated Voice) “Hello, this is your credit union … blah blah blah … your debit card has been deactivated, press one to reactivate it.”
Well, I was doing my homework and only half paying attention to what was going on in my ear, so I pressed one. I assumed that my debit card had been deactivated because I had not used it in probably over a year.
(Automated Voice) “To reactivate your debit card, because type in your debit card number.”
* I type in my debit card number *(Automated Voice) “Please type in your pin number.”
* I type in my pin number *
And that is when it hit me.
I was being scammed.
Immediately, I hung up the phone without another word and called my credit union and had them cancel my card.
Now, you might be reading that story and think, “Well I would know right away it was a scam.” But you don’t know that. I have heard tons of stories, and thought the same thing. But when you aren’t expecting to be attacked, you may not see what is really going on.
So here is some advice from consumerreports.org and I:
1. Do not under any circumstances give out your credit or debit card information on the phone.
2. Be skeptical of all calls coming from unknown sources
3. If you do make a mistake, call your credit union or bank immediately. In the end, because I called right away the situation wasn’t a big deal.
4. Don’t type your pin at the pump.
5. Stick with ATMs located at banks
6. Closely monitor your bank accounts to make sure you’re not suspiciously losing money
7. And most important, don’t go under the assumption it could never happen to you. Because it can.








