I’ve just had a scare- I thought I’d been a victim of a credit card scam!
More than two weeks ago, I received a call from a woman claiming to be a customer service rep of BPI while I was juggling entertaining a client and editing UPCAT review materials. The woman told me I qualified for a free gold card upgrade, and that she was just asking for my permission. Since it seemed there was no hidden charge whatsoever, I agreed. While she was explaining some things to me, I was not listening and proceeded with my tasks. I remember being asked some details about my credit card (which I answered absent-mindedly) and was told that I’d receive my new card within ten working days.
Just tonight, I suddenly remembered that phone conversation and realized I haven’t received my card yet. I told hubby about it and he panicked. We called our friend/colleague Irvin (Brain Train’s John Lloyd Cruz), as he worked at BPI for several years (but is now with Maybank). I asked him whether he thinks the call was valid. Unfortunately, he can’t answer my questions because he’s no longer updated with the happenings and promos of BPI. But he warned me that over-the-phone scams were very common! The modus is that a person claiming to be a customer service rep of a bank, offering you promos and asking for your card details. Afterwards, this scammer will use your identity in buying things online.
Fart. FART! I got scared, especially because the credit limit of my card is quite high. So I called 89100 right away to ask. It took me a while before I talked to a customer service rep, but I had to be patient! Pero sulit naman when the rep told me that they were really doing a gold card upgrade campaign. Whew! I asked the rep how to verify whether the “rep” calling is legit. Here are her tips:
1. Legit reps only ask for your birthday, billing address, and credit card number (the long series of numbers in front of your credit card). They DON’T normally ask for the CVC (last three-digit numbers at the back if your Mastercard) or expiry date.
2. When in doubt, ask for the rep’s NAME and ID NUMBER. Tell the rep to call you again after 3 days when you have verified his identity through 89100.
I thank God I wasn’t scammed. At the same time, it was a wake up call for me to be cautious.
Let’s be vigilant everyone! Better safe than sorry!