Prevent credit card theft and fraudulent calls in 2025

scam, or fraudulent calls aiming to steal your credit details. Discover tips to verify their authenticity, report them, and protect your bank balance.

In the age of technology, learn how to handle unknown, scam, or fraudulent calls aiming to steal your credit details. Discover tips to verify their authenticity, report them, and protect your bank balance.

Are you receiving suspicious calls from unknown numbers claiming to be from insurance companies or banks? These scammers are hunting for victims to steal credit card details and drain bank accounts. Don’t fall prey to their tricks! Learn how to identify, verify, and report these fraudulent calls to protect yourself and your financials.

Scam calls are on the rise, with fraudsters using sophisticated tactics to trick unsuspecting victims. They often pose as representatives from legitimate organizations to steal sensitive information. By understanding their methods and knowing how to respond, you can safeguard your financial security. Let’s dive into actionable steps to handle these calls effectively.

How to Identify Scam or Fraudulent Calls

Recognize the Red Flags

Scam calls often have common characteristics. They may:

• Claim you’ve won a prize or lottery you never entered.
• Threaten legal action or fines if you don’t comply.
• Ask for sensitive information like credit card numbers, OTPs, or passwords.
• Pressure you to act immediately, creating a sense of urgency.

If the caller exhibits any of these behaviors, it’s likely a scam.

Verify the Caller’s Identity

Before sharing any information, verify the caller’s identity. Ask for their name, organization, and contact details. Genuine callers will provide this information without hesitation.

You can also cross-check the details by contacting the organization directly using their official website or customer service number. Never use the contact information provided by the caller.

How to Check the Authority of the Caller

Research the Organization

If the caller claims to represent a specific organization, research the company online. Check their official website and look for any alerts about scams. Legitimate organizations will have a professional online presence and clear contact information.

Use Government Resources

Many governments have dedicated portals to verify the authenticity of organizations. For example, in India, you can use the National Cyber Crime Reporting Portal to check if the organization is legitimate.

How to Handle the Call Process

Stay Calm and Don’t Share Information

If you suspect a call is fraudulent, stay calm and avoid sharing any personal or financial information. Scammers often use fear tactics to manipulate victims. Politely end the call and block the number.

Record the Call Details

Note down the caller’s number, name, and any other details they provide. This information will be useful if you need to report the incident to authorities.

How to Report Scam Calls

Contact Your Bank or Credit Card Provider

If you’ve shared sensitive information, contact your bank or credit card provider immediately. They can block your accounts, issue new cards, and monitor for suspicious activity.

File a Complaint with the Cyber Crime Cell

Most countries have dedicated cybercrimecrime cells to handle such cases. In India, you can file a complaint on the National Cyber Crime Reporting Portal (https://cybercrime.gov.in). Provide all the details you recorded during the call.

Report to Your Local Authorities

If the scam call involves threats or harassment, report it to your local police station. They can guide you on the next steps and help you take legal action.

How to Protect Yourself from Future Scam Calls

Register for Do Not Disturb (DND) Services

Many countries offer DND services to block unsolicited calls and messages. In India, you can activate DND by sending an SMS to 1909 with the text “START 0.”

Use Call-Blocking Apps

Install call-blocking apps like Truecaller or Hiya to identify and block spam calls. These apps use crowdsourced data to flag suspicious numbers.

Educate Yourself and Your Family

Share information about common scam tactics with your family, especially elderly members who may be more vulnerable. Awareness is the best defense against fraud.

  Scam Calls Handling Tips and Tricks 

• Recognize red flags like urgency, threats, or requests for sensitive information.
• Verify the caller’s identity by contacting the organization directly.
• Never share personal or financial details over the phone.
• Report scam calls to your bank, cybercrime cell, or local authorities.
• Use DND services and call-blocking apps to protect yourself.

FAQs (frequently Asked Questions)

 What should I do if I accidentally shared my credit card details?
Contact your bank immediately to block your card and monitor for unauthorized transactions.

 How can I verify if a call is from a legitimate organization?
Research the organization online and contact them directly using their official website or customer service number.

 Can I report scam calls anonymously?
Yes, most cybercrime portals allow you to file complaints anonymously.

 What information should I record during a scam call?
Note the caller’s number, name, organization, and any details they provide.

 How can I block spam calls permanently?
Activate DND services and use call-blocking apps like Truecaller to identify and block spam numbers.

Conclusion

Scam calls are a growing threat, but you can protect yourself by staying vigilant and informed. Always verify the caller’s identity, avoid sharing sensitive information, and report suspicious calls to the authorities.

By taking these steps, you can safeguard your financial security and prevent fraudsters from stealing your hard-earned money. Share this information with your loved ones to help them stay safe too. Together, we can fight back against scam calls and create a safer environment for everyone.