Ms. Hai Ha (Thu Duc City, Ho Chi Minh City) said that she has continuously received many unidentified calls over the past two weeks. When she answered the phone, an automatically recorded voice impersonating a Vietcombank employee announced an invitation with the content: "Congratulations, you are eligible to issue a credit card at the bank. If you have any needs, press 1 or press 0 to speak to the operator". However, with a sense of vigilance and because she herself had a credit card at this bank, Ms. Ha turned off the phone and did not follow the instructions.
A representative of Vietcombank said that recently, there has been a form of fraud impersonating bank employees, Vietcombank call center calling to invite customers to issue credit cards with specific tricks as follows: Fraudsters claiming to be bank employees call, send messages (SMS, Zalo, Messenger...) to persuade customers to proactively open a non-physical debit card or apply for a credit card at the bank. The fraudulent phone numbers that the bank has received feedback from customers are: 02366888766, 02488860469, 02888865154...
In some cases, the scammer impersonates the bank's switchboard. Specifically, when receiving the call, the customer will hear a message impersonating the automated switchboard: "Congratulations, you are eligible to issue a credit card at the bank. If the customer has any needs, press 1 or press 0 to speak to the operator." If the customer presses the requested key, the scammer will hang up the call, then call back, claiming to be a bank employee and tricking the customer into providing personal information and confidential information of the banking service.
Specifically, the scammers ask customers to provide some card information to link the customer's card to their e-wallet, thereby appropriating money in the customer's card. The information they request to provide usually includes: Card image, series of numbers printed on the card, name on the card, screen displaying the full card number in the VCB Digibank digital banking service... and OTP code sent to the customer's phone number. During the scam, the scammers may ask customers to transfer money to pay for application fees, card issuance fees...
In fact, not only Vietcombank but many other major banks such as BIDV, VietinBank, Sacombank and ACB have also issued similar warnings. Accordingly, BIDV emphasized that customers need to be cautious when receiving calls inviting credit cards and always double-check information before providing any personal data. Sacombank also recommends that customers should not provide information via calls or messages of unknown origin.
According to cybersecurity experts, impersonating bank employees is one of the most common forms of fraud today. Fraudsters often call to offer credit cards, inform about special offers or request security information such as credit card numbers, PIN codes or OTP codes. However, in reality, banks never ask people to provide this information over the phone. Therefore, when receiving such calls, customers need to be very vigilant.
There is also another very dangerous form of fraud called SMiShing, where scammers send fake SMS messages from banks, asking customers to click on a link and enter their credit card or bank account information. These messages lead to fake websites, similar to the bank's site, in order to steal your information.
To protect themselves from these scams, banks recommend that customers follow some basic principles: Do not provide information over the phone. If you receive a call asking for an OTP code, PIN code, or account information, stop the call immediately and call the bank back via the official phone number.
Check your calls and emails to avoid scams. Make sure the call or email you receive is from your bank. Never click on strange links or download attachments from untrusted sources. Text messages, emails, or notifications from unknown sources can be a scam.
If you have any doubts about calls or messages, contact the bank directly via the official phone number to confirm the information. Be careful and always proactively verify information to ensure the safety of your account.
Source: https://doanhnghiepvn.vn/chuyen-doi-so/ngan-hang-canh-bao-doi-tuong-mao-danh-moi-chao-mo-the-tin-dung/20250310064422276
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