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How to beat the credit card scammers

Beat the scammers
Community Manager

If you get a text from your bank asking you to confirm a transaction by replying "Y" or "N", think twice before responding - especially if you don’t recognise the transaction and want to stop it going through.

While it's unsettling to learn that someone might know your personal details, by replying to such a text you may give the scammer confirmation that your mobile number is in use. And once they have that, they’ll be able to follow up with more messages asking you to provide account details or ask you to call a premium-rate number for more information.

The National Fraud Intelligence Bureau, part of the City of London Police, has received multiple reports of people being tricked into giving criminals their private information via a text message – this is known as "smishing".


What cardholders can do? 

In general, you may want to think twice before replying to text messages from people you don’t know. So before replying to a text message from your bank it’s always best to double check that the number is valid before taking action – you can do this by contacting your card company.


I've been defrauded. What should I do?

If you believe you've responded to fraudulent text message, keep the message and any reply but stop all contact with the fraudsters from this point.

Contact your credit card company immediately if you have given the criminals any details that could be used to access your account.


Then report the scam attempt to police fraud bureau Action Fraud (0300 123 2040) and follow its advice on what to do next.

About StephenF

Hey everyone, I'm your community manager and resident Apple & Nissan fanboy, here to help keep the community ticking over each day.

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