Did a text say your card was charged? Check this first
Example text message
CARD ALERT: $649.82 charged at Amazon. If you did not authorize this purchase, call Support now at (888) 555-0146. Ref #AMZ-48219.
SCAM
It may be a fake purchase alert designed to make you call. A real issuer alert should match activity in your card app or statement. Check there before using any contact detail in the text.
How to spot this scam
- The charge is absent from your card issuer's app or website. The text is the only place where it exists.
- The message supplies a support number or cancellation link instead of directing you to the number printed on your card.
- It calls the purchase an invoice or pending debit, then gives you only minutes to cancel it.
- The person who answers asks for a one-time code, remote access to your device, or a transfer to protect your money.
What to do now
- Open the card issuer's app yourself and compare the amount, merchant, and status. Do not sign in through the text.
- If the charge is real and unauthorized, lock the card and call the number printed on its back to dispute it.
- If no charge appears, delete the text, report it as junk, and forward it to 7726.
- Shared a code, password, or card number? Contact the issuer now, replace the card, and change the exposed password from a clean device.
What it looks like on your phone
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Sources and reporting
Use official channels to confirm a suspicious request and report fraud.