I am sorry but I have to use word scam but I think the story goes well on the type of activity I am experiencing with several strangers calling my number.
I did receive a call this morning from a certain Cynthia Tan offering me something similar to what I have blogged before. The only difference is that she spoke slowly than the guy that I talked before and she comes from a “different” company as she mentioned that she’s an employee of Fifth Wind International Corporation, a multi-services company. The guy that called me before was from a certain Paragon Corporation. I had a strange feeling that the call would be similar to what transcribed before because they are again claiming to provide me with extra services related to my credit card.
I just listened to her spiel talking again about the benefits of 4 lifetime cards varying from discount card, medical card, dental card, and another one. In exchange of these cards, I will be charged a portion only of the “whole package” – of the 8,500 fee, they will only charge me for 2,995 pesos which you can have it pay in deferred terms for 3-24 months.
Again, I reiterated that I am not interested with the benefits that she’s “offering” or a better term would be “enforcing”. Upon hearing that, she just dropped the call which is quite unethical for someone offering a merchandise or service to their client. However, my conversation with that girl led to more questions:
- They claim that they got my information from Visa/Mastercard International. I think financial institutions (such as banks, credit card companies, etc) have a clause for non-disclosure of information of their cardholders except to law-enforcement agencies when authorized by law or by a court order. Given that this company have some sort of information about their “client”, how vast or how detailed would that information be?
- She claim to work for Fifth Wind International Corporation, yet they don’t have a website. She told me that their website is http://www.ecardinc.com but the company name that is stated there is different.
- Should a client “accepts” the offer, how can they charge a transaction to your credit card without a slip to confirm that you indeed accepted their offer. As far as I know, merchants should provide the credit card provider with transaction slips to prove that the merchant’s client did approve and know of the transaction.
Whew! In the office, my colleague did experience the same and the solution that she made was she called Citibank to request for a new credit card number. While doing such has no charge to the customer, that would deactivate your existing card until a new card comes and worst, you might not be able to use the card when you need it badly (she got her replacement card in a month’s time).
We don’t really know on who really leaks credit card information although my doubt still points to the agents who usually stand by the malls and other public places who provide credit card applications. I guess banks are not silly enough to share information with their competitors.
Hope this one would serve as a warning (if you feel like your threatened) for any untoward transactions in your credit cards. 🙂