Credit Card Scam (verified with

Note: this did not happen to me, but I probably would have given them the information without a second thought ~Shane

Credit Card Scam
Snopes. Com says this is true. To verify see this site: 

This one is pretty slick since they provide YOU with all the information, except the one piece they want.
Note, the callers do not ask for your card number; they already have it... This information is worth reading. By understanding how the VISA & Master Card Telephone Credit Card Scam works, you'll be better prepared to protect  yourself.
One of our employees was called on Wednesday from 'VISA', and I was called on Thursday from 'Master Card'.. The scam works like this: Caller: '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 ?'
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 pattern that flags most cards. Before your next statement, the credit 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 - 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 never ask for anything on the card as they already know the information 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 too 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 Master Card' 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.

Please pass this on to all your family, friends and neighbors. By informing each other, we protect each other.

Consumer Advice

I've found that the consumer advice that Clark Howard offers is excellent. There are a variety of ways to access his information -- through his popular radio show, HLN, and his web site. The web site is great for browsing -- one of my favorite area's to browse is the "RIp-off Alerts" section. The web site is easy to use and information is sorted by category. There is also a search function that works (I've visited a lot of sites where doing a search is not at all helpful).

Can't find the information you need. The Consumer Action Center allows you to Ask Team Clark your questions. This is a free service offered by Clark, his staff, and volunteers.

Easy Audio Recording

Interested in making Podcasts, recording a class, or an interview? I've been using a great system called Audio Acrobat. You can record by either calling into the system or recording directly from your computer (using a microphone). After the call, you just sign in using their web interface to access your audio file -- files are usually accessible within minutes of ending the call.

Audio Acrobat makes it easy and affordable (plans start at $19.95 per month) for everyone to digitally record information and share it.

Audio Generator

Audio Generator makes it easy to add audio messages to your web site. You call the number they provide and record your message right over the telephone. Then you log into their system and copy and paste a link onto your web site. You do not need any special technical knowledge about recording in order to utilize their service. To try it for free, go to the Audio Generator web site.

Transfer Large Files

The best way I've discovered to transfer large files is through They have several plans, but I've found the basic plan -- only $7.50 a month -- perfect for my business. Their web based interface is simple -- even for people who aren't computer savvy.

Here's how it works...
You go to their site and log in. Click on the "upload file" button from the navigation bar. Browse to find your file, click another button to start the upload. Within minutes (depending upon the file size and connection) your files is uploaded and ready to send.

To send, you simply click on a box next to the file name and "send." A window opens with the address book you've created or simply type a new email address in the "to" box. Whalemail allows you to customize the subject line and body of the email message.

The email you recipient receives contains an Internet Link. They click on the link, a new window open, and they click on the "download file" button. It's as simple as that! No software to download; no lengthy upload or download process -- and best of all you don't have to  worry about a large file attachment weaving it's way through the spam filters.

Shopping Cart

I use Professional Cart Solutions shopping client for most of my clients. It's easy to use and their support is fantastic -- what more could you want? :-)

Seriously, some of the features include secure shopping cart, autoresponders, customer database, list manager, email broadcasting, ad tracking, affiliate module, recurring billing, and more. (Features vary by price level.) It's very easy to set up. No knowledge of html is needed. They also offer a free trial so you can explore it's features before committing.

The Professional Cart Solutions system (associated with Practice Pay Solutions)  will cost you as little as $29 per month for the Starter Package, or you can use our Pro Cart solution with unlimited autoresponders and affiliate marketing capability at $79 per month. Affordable and Powerful.

Click Here to try this Great Shopping Cart system  FREE for 30 days.

(Note: Prices are subject to change.)