I was sitting on my porch with some friends a couple of months ago when I got a text from my credit card company asking if I’d just used my card for $9 at a Taco Bell in Baltimore. I immediately replied no and the automated system gave me a number to call. I called it and got right through to a fraud gal who said it had just been used and while we were talking she saw another hit for $150 on it which was declined because I’d responded quickly.
In this case the system worked because I had my phone in hand and responded immediately. They’ll hit it for a small amount to test it then immediately go for a big charge if it works. I have no idea how they got my number but it looks like they were somehow able to put it on a fake card that they could swipe. I still had the real card in my wallet.
