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In these cases, the fraudsters usually target housewives, and often direct these calls to elderly women.
The caller claims to be calling about the husband's alleged overdue credit card payment. In the course of the discussion, the caller attempts to obtain the spouse's card number as well as his Social Security number and other personal and financial information.
In these cases, the caller may be simply an unethical telemarketer who is accumulating personal and financial information for other telemarketers. In other cases, the information can be used in a variety of manners to defraud the card holder.
Persons who receive such a call and are concerned that a credit card payment may have been lost in the mail are urged to provide such callers with no information whatsoever, but to request the name of the caller and a telephone number, then call--not the number given by the caller, but the number provided by the card issuer (usually shown on the credit card bill) and explain the situation.
Many credit card companies employ very competent fraud investigators who can follow up on these attempted frauds or deceptions.
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