Protect Your Holiday Cheer & Your Wallet From Growing Credit Card Fraud.
The holidays should be full of joy, connection, and memory-making… not financial chaos caused by scammers working overtime to steal your personal information and hard-earned money. While you’re out shopping or celebrating, scammers are plotting new ways to deceive people, especially seniors and trusting family members.
Credit card scam awareness is your best defense. By educating yourself and your loved ones, especially older adults, you’re strengthening your entire family’s protection. Let’s walk through what this scam looks like and how to shut it down instantly.
The “Compromised Card” Scam: How It Works
This scam is surprisingly convincing because criminals use official-sounding scripts, spoofed phone numbers, and intimidation tactics.
- A scammer calls claiming to be from your bank or credit card company.
- Insisting your card has been “compromised.”
- Claiming they need your physical card to “test” or “investigate” the fraud.
- They send a fake courier to your home to pick it up.
- Once they have your card, they immediately drain your account.
This scam works because it feels urgent, and victims want to stop the “fraud” quickly.
But here’s the truth…
Banks Will NEVER Send Someone to Your House to Collect Your Card
This is the #1 rule to remember and share with your family:
No legitimate bank or credit card provider will EVER send a courier or representative to your home to pick up your card.
Not for fraud.
Not for diagnostics.
Not for any reason.
If someone requests your physical card, it’s a scam. Period.
How to Protect Yourself, Your Family & Our Elders
Scammers prey on panic. These steps will protect your household:
Hang Up Immediately
End the call. Do not engage.
Call the Number on the Back of Your Card
This is the only verified way to confirm if there’s a real issue.
Never Share Your Card, PIN, or Personal Info
Banks will never ask for these items.
Educate Parents, Grandparents & Vulnerable Family Members
Older adults are targeted the most. A simple conversation can save someone thousands.
Trust Your Instincts
Urgency, fear, or pressure = scam.
Stay Safe This Season And Help Someone Else Stay Safe Too
Scammers aren’t slowing down during the holidays, but with awareness, education, and community protection, we can stop them in their tracks.
Share this blog with your family, especially seniors, and keep everyone one step ahead of deceptive tactics.
