New Credit Card Scam

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. 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
Master card directly for verification of their conversation.

My husband 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 Arizona?"

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 patternthat flags most cards. Before your next statement, the cred! it 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 1- 800
number listed on the back of your card (1-800-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 made 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 Master card directly for verification of their conversation.

The real VISA told us that they will n! ever ask for anything on the card
as they already know the! informa tion 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 to 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.

Pin Number Reversal

If you should ever be forced by a robber to withdraw money from an ATM
machine, you can notify the police by entering your Pin # in reverse.

For example if your pin number is 1234 then you would put in 4321. The
ATM recognizes that your pin number is backwards from the ATM card you
placed in the machine.

The machine will still give you the money you requested, but unknown to
The robber, the police will be immediately dispatched to help you.

This information was recently broadcasted on TV and it states that it is
seldom used because people don't know it exists.

Cara terbaru sebar HIV

Berikut adalah artikel yang perlu diambil perhatian
sekiranya anda
belum membacanya...

Sila baca artikel berikut mengenai orang yang HIV
positif seronok
menyebarkan virus HIV. Ianya pernah ke udara di
dalam Televisyen. Thai
dimana pesakit HIV ditangkap & didakwa, tapi apa
gunanya, beliau telah
merosakkan ramai orang awam yang tak berdosa.
Jadi sila berhati-hati...Beberapa tempat berbahaya
dan kebarangkalian
menemui jarum penyuntik yang telah digunakan penagih
:
1. Di kawasan pantai. Apabila anda berjalan di
pantai sila pakai
selipar sebab jarum yang ada HIV telah terdedah dan
menimbus jarum
penyuntik di dalam pasir. Penyuntik ini kemudiannya
terdedah akibat
ombak.

2. Di kawasan permainan kanak-kanak. Satu lagi
kawasan pilihan
penagih.Terdapat kes di Australia di mana
kanak-kanak yg tak berdosa
telah tercucuk jarum penyuntik apabila beliau turun
daripada papan
lunsur kemudiannya didapati HIV positif.

3. Di panggung wayang. Sila pastikan kerusi yg anda
duduki. Kes yang
terjadi apabila seorang perempuan duduk di kerusi
beliau dan terasa
sesuatu benda mencucuk. Beliau berdiri dan mendapati
ada penyuntik dan
nota berbunyi "Welcome to the real world, you are
now HIV positive".
Doktor telah memeriksa jarum tersebut & mengesahkan
ianya terdapat
virus HIV. Ianya berlaku di Hawai jadi
berhati-hati....

4. Di Georgia & Florida, ada kes menunjukkan pesakit
HIV meletakkan
penyuntik di dalam tempat mengembalikan syiling,
mesin air
minuman...jadi pastikan bila anda membeli air atau
kandi, perhatikan
betul-betul tempat mengembalikan wang
syiling....mungkin terdapat
jarum penyuntik di dalamnya. Ini adalah nyawa anda.