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If scammers have already acquired your credit card number, they might very well wish to enhance the usefulness of the stolen information by acquiring the credit card number’s corresponding security code.
If the scammers have your personal contact details as well as your card number, then this “Security and Fraud Department” phone ruse could certainly be an effective method for them to procure the desired information. If they already had your credit card, scammers could certainly carry out the schemes described in the message and have most likely done so in the past.
However, while these methods certainly allow scammers to steal credit card information, this information will not always include the CVV2/CVC2 security codes.
Therefore the motive for the scheme outlined in the message is clear.
The message implies that this scam tactic is a common occurrence.
The CVV2/CVC2 is separate from the card account number and is printed on the back of the card in the signature panel.
These security codes are not included in the information encoded on the card’s magnetic strip or on receipts.
The scam works like this: Person calling says, “This is (name), and I’m calling from the Security and Fraud Department at VISA. Your card has been flagged for an unusual purchase pattern, and I’m calling to verify.
This would be on your VISA card that was issued by (name of bank).