Protect yourself from credit card fraud by being aware of telephone scams targeting your card data. An Arvest associate shared a story with me recently about a common type of telephone scam designed to obtain personal data and credit card information:

"This week our home received a second phone call leaving a message about our credit card. It implied that we should call them as soon as possible about our rate. Out of curiousity, I called the number to make an inquiry. When I made contact with a live representative, they did not answer the phone call with the bank's name or card carrier's name (first red flag). They could not answer questions about who my credit card was with (second red flag), what processor I used, etc.  They ultimately hung up after I asked these series of questions."

This associate was a target of a common type of telephone scam, made more believable due to the call back number and the "live" agent.   Her familiarity with scams and asking the right questions protected her in this situation.

There are some important tips to remember to detect a fraudulent attempt to obtain you card information:

• If you get a phone call or a message left from someone claiming to be your bank or card company, you may not want to call the number provided.  Instead, call the customer service number from your bank's statements or website to initiate the follow-up call.
• If you do call back, offer up no information about your card number, card pin, or recent transactions. Ask them questions they should be able to answer if they are your real card provider.
• Hang up immediately if you feel uncomfortable, if they are pressuring you to provide information or are threatening in tone.
• If you or a family member suspect they have given information as a part of a scam or questionable phone call, please contact your bank or card issuer immediately.

The Federal Trade Commission has a great resource for consumers that has more information on telephone, internet and all types of scams.  Take a moment to reference this information to become more familiar with how to prevent falling victim to fraudulent activities.