ontherocks
TF Premier
I have been getting lots of spam calls for credit cards for years, but this one is different and very concerning.
This man has called from from different numbers for different pre-approved credit cards of different banks. I can recognize his voice and the way he talks.
Once he said that I have a pre-approved offer for LTF Standard Chartered EaseMyTrip Credit Card. He said there is will be no CIBIL hit and no documentation as its pre approved. He needs only my employer info and address confirmation. And more this and that. From his conversations on credit bureaus and credit cards and how they work, it looked like he had done his homework. He said I can take time to think and them call him back.
In next call he says I have a pre-approved offer for LTF Yes Bank BYOC Rupay Credit Card. I countered him immediately that Yes BYOC are not LTF. He says that its not LTF for Visa or Mastercard, but LTF for Rupay and I can google and confirm and only then call him back.
This is all regular mumbo jumbo.
Now the scary part.....
He tells my PAN number, my mobile number, name and address. I ask him how do you know all of these? He doesn't give a convincing answer. I then say that since you have all the details needed to apply for a credit card, are you going to apply on my behalf behind my back? He says, no he wants my approval and if that was the case he would have already applied on my behalf.
Now the point of this thread....
Obtaining my confidential info is not that hard, but is this enough to apply for credit cards behind my back without my approval? My guess is that he will get stuck at some point, where my OTP would be required.
Also my guess is, agent's commission depends on the number of CC applications he submits, and not on whether it is finally approved. So is this information enough for him to pass his commission step?
This man has called from from different numbers for different pre-approved credit cards of different banks. I can recognize his voice and the way he talks.
Once he said that I have a pre-approved offer for LTF Standard Chartered EaseMyTrip Credit Card. He said there is will be no CIBIL hit and no documentation as its pre approved. He needs only my employer info and address confirmation. And more this and that. From his conversations on credit bureaus and credit cards and how they work, it looked like he had done his homework. He said I can take time to think and them call him back.
In next call he says I have a pre-approved offer for LTF Yes Bank BYOC Rupay Credit Card. I countered him immediately that Yes BYOC are not LTF. He says that its not LTF for Visa or Mastercard, but LTF for Rupay and I can google and confirm and only then call him back.
This is all regular mumbo jumbo.
Now the scary part.....
He tells my PAN number, my mobile number, name and address. I ask him how do you know all of these? He doesn't give a convincing answer. I then say that since you have all the details needed to apply for a credit card, are you going to apply on my behalf behind my back? He says, no he wants my approval and if that was the case he would have already applied on my behalf.
Now the point of this thread....
Obtaining my confidential info is not that hard, but is this enough to apply for credit cards behind my back without my approval? My guess is that he will get stuck at some point, where my OTP would be required.
Also my guess is, agent's commission depends on the number of CC applications he submits, and not on whether it is finally approved. So is this information enough for him to pass his commission step?
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