You are advised to always be vigilant and careful with all the SMSes you receive, especially those relating to your banking details, however minute or urgent it may seem.
Many fraudsters are out there brainstorming day and night, and taking advantage of every single opportunity to source out people’s financial details, so they could rob them of their hard earned money supposedly resting safely in their bank accounts.
Of recent, I got a SMS telling me in quote.
“Dear customer, your ATM card has been temporarily De-activated, for Re-activation kindly contact the interswitch management on 08108307601 for more information.”
There have also been some other messages too as you can see from the screenshot below:
At first, what came to my memory was BVN because I was certain my card expires 2017 (I use it for many online transaction. So I know and didn’t need checking). Then I remembered I’ve already gotten mine (BVN) and have been using my ATM card seamlessly ever since. So why would there be any problem now?
Moreover, I use MasterCard. So what have interswitch got to do with mastercard issues?
So I got suspicious and one quick glance confirmed my suspicion. The sender was using a 11-digit MTN phone number. Furthermore, the sender suggested I contact another MTN number. So it was obviously a Scam!
So always be cautious of the content of any text message or email you receive as well as the sender contact detail.
It’s most likely that if I’d called that phone number, I’m gonna be requested for my card details. E.g. My pin, card number, CVV and probably name, etc.
With these details, a cloned debit card can be generated and used to withdraw all my money. Or better yet, my card details can be entered on payments gateways (e.g. Quickteller, Getbarter, etc) and all my money transferred to another account.