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Originally Posted by SMHarman
Remember VISA (and electron) and Mastercard (and Switch / Maestro / Cirrus) are clearing / network organisations.
The only people that will call about your card are the issuer, eg Capital1, Nat West etc, who will be responsible for following up on frauds, issuing chargebacks and clearing the mess up or taking the hit.
Whats interesting is that they have obviously got a lot of your information just from the credit card number from somewhere? The Address Verification Service (AVS) functionality?
Any spending pattern monitoring should come back as a manual authorisation in a store when you have triggered the system.
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Some receipts, along with your credit card number also your card name printed on it e.g. "Thank you Mr.xxxxxxxx" for shopping at...."
In any case, if you look through someones rubbish bag you'll have loads of information (name, address, phone number, card numbers, account numbers etc etc). All the scammer need do then is ring you up and scam for your remaining details. They can probably sound very convincing because they already have so much info already.
My advice is to never leave anything relating to credit cards/finance etc in the trash outside.