Post # 1
I was recently declined for a credit card. (I didn’t do my research and found out after the fact that you need excellent credit for it, I only have whats considered “Average” credit, whoops, my bad…probably why I don’t have excellent credit).
I get a call today from the company and they say, “We need some information to process your application for X credit card, can you please verify the last four digits of your social security number”. My response, “No, I got an instant response that said I was declined so I don’t see what you need to process anything, and I don’t feel comfortable giving you that over the phone.” The lady sounded pissy when she said, “thank you” and hung up. After I hung up I felt kind of stupid, like maybe I should have given her my info because maybe it was the bank. I checked out the phone number on reverse look-up but nothing came up.
Was this a scam? What can someone do with the last 4 digits of your number?
Post # 3
@MrsPinkPeony: I’m not sure what can be done with just the last 4 digits, but it’s probably best you didn’t give them to her anyway. If she was from the bank, I’d think she’d have told you that, or explained why she was asking, rather than just hanging up. That sounds fishy.
Post # 4
If you applied at a bank, you may want to go walk in and speak to them.
They have a way to override approaval for credit cards based on your savings and checking account history. For example, if you have 4,000 in your savings accunt consistently for 9months or so, this tells the bank manager that you have a good sense of savings and other things. I would for sure take your denial letter and ask to speak to a professional to see if they can do anything.
Don’t bother speaking with anyone over the phone….they are probably just scam artists anyways and I would of done the same as you.
Post # 5
Scam. Now way would they have called and asked you that. And then just simply hung up without identifying themselves and the situation further
Post # 6
Sounds like a scam since you said they already gave you notice of your application. I wouldnt have given it to them either… or give them something fake and see if they take it.
I dont think anyone can do anything with JUST your last 4 digits, but if they had other information of yours and just needed that, thats what they could have been fishing for.
Post # 7
sounds like a scam! One time, FI got a call from someone who asked for the last four digits of his credit card number and zip code, with no description of what the call was about. Companies don’t just call and ask for information. If they are calling YOU, they should already have information! They usually only ask for it if YOU call them.
Post # 8
Yeah, if it’s out of the blue, I wouldn’t say anything. A lot of companies will use it to verify your identity, but ONLY if they already have it on file. But there’s not much they can do with just the 4 digits, because your 4 digits are repeated elsewhere in other SSNs.
Post # 9
If she was mad that you woudn’t give her info, it’s a scam. Real employees don’t get mad, they move on to the next call. They don’t have time to get emotionally invested in each call.