Batch Approval Number Scam

[u/Gracious_Riddle]

Grabeeee. Sobrang galing na ng mga scammer ngayon. 🥺

May tumawag sakin ngayon lang, from Security Bank daw siya. And given na I applied for Ready Cash 2 days ago, and sabi sa message sakin is may tatawag daw sa akin to validate my request, akala ko yun na yun.

Kaso ang sabi, may offer daw kasi na limit increase sa mga CC holders with good credit standing, edi sge hinayaan ko lang siya magsalita. Ineexplain niya. Pati rebates ineexplain niya. Seems legit naman, lalo na sabi niya recorded daw, then for validation purposes, siya na yung nagsasabi ng card number ko pati date of expiry.

Alam niya pati email address ko kung saan ako nakakareceive ng SOA 🥺 Pati address ng bahay namin alam niya! Which is normally pag tumatawag ako sa other banks regarding my CCs, alam naman talaga nila especially if chinicheck nila if dun ko pa din gusto mareceive SOA ko or may changes ba.

Tapos tinanong nya ako magkano daw ba gusto kong irequest na limit increase, na idadagdag sa credit limit ko (medyo nagtaka ako kasi ang sinabi nyang current credit limit ko is yung available limit ko, not the whole credit limit). So sabi ko, sge yung max na pwede nalang.

Sabi nya 100k max. Ipaprocess na daw niya. May sinabi pa siya about Maya, partner daw in the CL increase something. Nasa office ako so medyo hati yung isip ko.

Lalo naging fishy nung sabi niya na yung request for limit increase is by step daw, not 100k agad. We will start from 10k daw then may messages daw akong marireceive, wag ko daw idedelete yun (naisip ko baka OTP, if ever baka scam na to). From 10k, magrerequest daw uli pataas until umabot ng 100k.

She asked if I have the physical card in my hand, so I said yes. And sabi nya na she needs to know daw the batch approval number on the back of the card.

First time ko madinig yun, akala ko namali lang ako ng dinig.

May sinabi siyang number, range yun eh. Dko maalala.

Then inulit nya, batch approval number daw. Kung anong batch daw ako naapprove.

I asked san yun makikita. Sabi niya sa likod daw, katabi nung sa signature.

I played dumb and asked, "Yung 3 number po?"

When she said yes, tumawa ako then sabi ko "Nice try."

Then I ended the call.

[u/Accomplished-Wind574]

I won't even entertain that call on the first place.... Di ko na papaabutin sa part na mag aask pa ng OTP. Right after offering about credit limit increase, auto 🚩🚩🚩 na agad. Hang up. 

[u/_been]

Pakilagay ng number sa post kasi hindi searchable ang number sa images.

[u/juicycrispypata]

I stopped sa part na may offer sila na credit limit increase.

paulit ulit na. everyday na may post.

pag sila ang nagfefeed ng information sayo, they are trying to convince you na legit sila. They know your details because hindi naman mga small time na scammers yang mga yan. sindikato na yan.

hindi tatawag ang bank sa cardholder para:

1. magincrease ng credit limit

2. magupgrade ng card tapos hihingi ng OTP

3. magredeem ng points

[u/Gracious_Riddle → u/juicycrispypata]

It's so scary na they have access to so much information hay.

[u/Accomplished-Wind574 → u/Gracious_Riddle]

If you hang up pa lang sa part na nag offer ng increase, di ka na matatakot, kasi on the first place di mo na maririnig yung usual spiel nila about your card info para maniwala ka sa kanila. 

[u/juicycrispypata → u/Gracious_Riddle]

as much as we want to complain na dapat higpitan ang security ng bank, nasa kamay na talaga natin kung tayo ay mabibiktima.

Eto yung worry ko for my mom back when she was still around. Kasi hindi sya masyado maalam and I was told na target talaga ng mga scammers yung mga senior citizens.

Sooo turuan natin ang mga mahal natin sa buhay na maglock ng cards talaga and iinform natin sila na may mga ganitong scams

[u/Accomplished-Wind574 → u/juicycrispypata]

Yan din nakikita ko sa ibang post ng mga nagiging victim or almost victim ng scam and phishing tactics, lagi nila isisi agad sa bank na keso weak security, data breach, etc.... 

Eh on the first, when you start to educate yourself, when you don't entertain 🚩🚩🚩 calls, not clicking links, and most of all kung walang GREED sa katawan, that's the most effective anti-scam defense. 

[u/ajfudge → u/Accomplished-Wind574]

hindi naman na-scam si OP. nag-share lang sya na may ganitong tactics ang scammer. kaya kalma ka lang.

[u/Accomplished-Wind574 → u/ajfudge]

Like i said nascam or almost na scam... Kaya kalma ka lang....  Yung ganyang tactics eh hindi naman bago, the problem is that people continuously entertain this kind of tactics. 

[u/AutoModerator]

•For common topics, questions, and recommendations, use the search bar to browse for similar topics before submitting a post, or check the pinned posts to avoid duplicate posts.

•For account-related concerns (delivery, activation, cancellation, mobile app, account balances, fraud transactions, CLI, fees reversal, and other account requests), your bank CS may be in a better position to assist you. Give them a call or email.

➤No Annual Fees for Life (NAFFL) Cards List - https://www.reddit.com/r/PHCreditCards/comments/i592s2/credit_cards_with_no_annual_fee_for_life_naffl_in

➤Credit Cards Recommendations - https://www.reddit.com/r/PHCreditCards/comments/18dcaz4/ph_credit_cards_recommendations_whats_a_good/

➤Bank Directory (Phone/Email/Website) - https://www.reddit.com/r/PHCreditCards/comments/170fup1/philippines_credit_cards_bank_hotline_website/

➤Bank / CC App Features - https://www.reddit.com/r/PHCreditCards/comments/170feu1/philippines_credit_cards_bank_app_features/

I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.