If you get an email telling you that your credit card is locked and that you need to click on the link to unlock it, treat it as a scam. It’s an example of email scams where they start with a story that sounds urgent (your credit card is locked), and that you need to click on the link right now (before you have time to think or research the email).
What usually happens is the link they give you is fake. It might look like a real company’s link, but if you hover your mouse pointer over the link you’ll be able to see where it really points to. And usually it’s a scammer’s web site in places like China or Russia.
Then when you get to that page, it’s been designed to look just like a real company’s site, and it prompts you to enter all your personal details including passwords. This information goes straight to the scammer who set up the fake site. He then sells it on a black market. Then someone buys your account details and uses it to commit fraud. It’s a large complex network that steals billions of dollars a year.
Below is an email claiming to be from Visa. When you receive emails like this, copy and paste it into Google, then Google will show you web sites like FraudO telling you if they’re scams.
Your Visa card is temporarily locked and the last transaction is on hold. Please understand we work to ensure your account safety. To restore your card and regain access you are required to register your Visa card in the Verified by Visa program, its a free, simple-to-use service that confirms your identity with an extra password when you make an online transaction.
It’s easy and only takes a few moments to activate your card. You can do it by clicking on the link below that will take you to Visa secure website.
[link removed – it looks like a Visa web site]
This is an outbound message only. Please do not reply to this email. If you have any questions, please refer to our Frequently Asked Questions (FAQ), or contact us. You will receive a response within 2 business days.
Thank you for using Visa Cards.
If in doubt just call your credit card company on the phone. They’ll reply immediately, not in 2 days, and you can be sure you’re speaking to a legitimate company.
Thanks to Erik for sending this one in. If you find other scams or fraud attempts you can send them in using our contact form.