Scammers have really gone high tech now.
"Smishing," is the new buzz. Like phishing, it is used to steal credit card information and your identity. But now, it's all done through phone text messaging.
- Most financial institutions, utility, or other business will not communicate with you via text message. If you do not recognize the Web site or phone number being sent to you, don't call it.
- If you get a text message that warns you, with little to no notice, that an account of yours will be shut down unless you reconfirm your billing information, or that you will have an upcoming charge, do not reply or click on the link in the text message. Instead, contact the company referenced in the text message using a telephone number or Web site address you know to be genuine (because it appears on a billing statement, for instance).
- Avoid e-mailing and texting personal and financial information. If you have determined the Web site to be legitimate and do decide to submit financial information, look for the "lock" icon on the browser's status bar. It signals that your information is secure during transmission.
- Review your credit card and bank account statements as soon as you receive them to determine whether there are any unauthorized charges. If your statement is late by more than a couple of days, call your credit card company or bank to confirm your billing address and account balances.
- Check out the URL or phone number of a company before you disclose any personal or financial information for FREE at www.bbb.org.
No one wants to get smished.