I wanna share my experience last weekend. My phone rang last Saturday morning, and a pleasant and talkative Malay lady by the name of Farah introduced herself to me. She claimed to be from the delivery unit of an insurance company and she called me to confirm my home address to send me my insurance policy. "This insurance policy is compulsory for a credit card owner in Malaysia, this is the 2nd year automatic renewal policy", so she said.
I was puzzled. I can't recall signing any insurance policy last year. And I've been using my current credit card since 5 years ago...hmmm.
"Which credit card is this policy belongs to?"
"It doesn't matter" She said. "Even if you have 5 credit cards, this insurance will be automatically applied to one of your credit card only". She repeated this statement twice.
I asked her multiple another questions, since I really pissed off since I have to unnecessarily and unwillingly pay for this policy. "Are you a policeman?" She asked. "Why?" I replied. "You asked so many questions" she uttered and then she laugh.
Finally she said: "Sir, I just need your address to send this policy to your home by Poslaju Courier Service, I am not the one who will charge your card, that will be by headquarters".
"Why don't you asked your headquarters then for my address?" I inquired.
"They will not release the information, it's personal". She replied. So weird....I whispered in my heard.
Then, I said, "okay, since it's just for the policy delivery, I will tell you my home address". Then, to my surprise, she started to asked for more detail...my full name, IC number, wife name etc. I revealed to her the info...I want to see where this conversation leads to.
As I expected...she finally asked me..."Which credit card do you want to charge this insurance policy on?" (I thought this policy is compulsory and automatically charged to my credit card. And, remember that, she said that she only called me to send the policy at the first place, right?).
She then went on asking for the expiry date of my card and the 16-digit numbers at the front on my credit card. "Shit"..."I knew this is a trap". I just smiled and happily pressed the red button on my phone. "Go to hell you evil lady!!"
She called me twice after that just to be frustrated.
Please take care whenever somebody call you and ask for your credit card detail. It can be in many forms - insurance policy, insurance delivery, tour and travel company, holiday package, cheap items or offers etc. NEVER REVEAL YOUR CREDIT CARD NUMBER, EXPIRY DATE AND THE 3-DIGIT NUMBER AT THE BACK OF YOUR CARD!!! Or you will be cheated alive.
Clever people learn from others mistakes, average people learn from their own mistakes, dumb people never learn from their mistakes.