Jun 11, 2014
Yep, same old cardmember/cardholder services scam. I just wasted 28 minutes of their time with bogus information. Here’s a great way to waste as much of their time while minimizing the time you waste with these criminals:
* First a little homework. Look up any 2 credit card company’s first 4 credit card digits and customer service 800 numbers (there’s a list on wikipedia). Make up the rest of the information. It helps to write it down for use later. Also be prepared with a fake name, fake billing zip code, and fake last 4 digits of your SS number.
* When they call, be receptive to their offer. Make sure the amount of debt and interest rate you tell them you have satisfies their requirements (about $5000 over 2 cards, 19% interest usually works).
* Supply the info for a bogus card. They will go away to “verify”. When they come back and say it doesn’t work, re-supply the same credit card number with 2 numbers switched (but not the first set of 4 numbers). When they come back again unable to verify the card, have them try the second bogus card, and repeat the whole process.
* At this point it has probably been 25-30 minutes. Sometimes they just disconnect, sometimes they ask to call you back (I give them the bogus number they called me on), or sometimes this is an opportunity to get into a swearing match with them.