DaisyDoodles
Full Member
Posts: 449
Jun 25, 2014 20:32:07 GMT
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Post by DaisyDoodles on Sept 3, 2014 21:46:06 GMT
I just got an email from one of our credit card companys stating that due to federal regulations, in order to considered for a future credit limit increase , we have to update our income information. The email provides a link (I didn't click it), but I have neither received anything like this before nor have I heard of it ; is this something anyone else has encountered?
Not sure if this is some weird phishing deal or if it is legit, I am still trying to Google the subject but am not having any luck, yet.
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johnnysmom
Drama Llama
Posts: 5,682
Jun 25, 2014 21:16:33 GMT
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Post by johnnysmom on Sept 3, 2014 21:48:26 GMT
We've gotten both an email and a letter (a few months apart) requesting that we do the same. But the income is right so I'm not sure why they keep asking us. Regardless, I wouldn't click the link in the email, you can probably access the info by logging directly into their site.
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Post by sues on Sept 3, 2014 21:49:32 GMT
I would not click on it. Sounds fishy. If your bank wants to reach you for something like that, they can call to let you know or send something through the mail.
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Post by danalz on Sept 3, 2014 21:50:35 GMT
I got the same email today. I thought it was weird too.
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DaisyDoodles
Full Member
Posts: 449
Jun 25, 2014 20:32:07 GMT
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Post by DaisyDoodles on Sept 3, 2014 21:50:47 GMT
I don't plan on clicking on the link, but I did log into the cc site and didn't see anything. I will wait and see if a paper letter arrives in the mail.
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Deleted
Posts: 0
Apr 26, 2024 14:02:21 GMT
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Post by Deleted on Sept 3, 2014 21:51:00 GMT
I would call the number on the back of your card if you wish to have your limit increased. Otherwise I would totally ignore it!
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Post by jemali on Sept 3, 2014 21:51:48 GMT
I wouldn't click on the link either.
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Deleted
Posts: 0
Apr 26, 2024 14:02:21 GMT
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Post by Deleted on Sept 3, 2014 21:52:34 GMT
The email is most likely phishing, but the overall issue is true and you may run into those kind of requests going forward.
I would log into the bank's website directly and see if there is any request for information there.
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Post by Regina Phalange on Sept 3, 2014 21:55:28 GMT
Check the senders email address. I'm betting it's not a legit address from your CC company.
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DaisyDoodles
Full Member
Posts: 449
Jun 25, 2014 20:32:07 GMT
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Post by DaisyDoodles on Sept 3, 2014 22:04:57 GMT
I am just going to ignore it. We haven't solicited a credit increase so I don't see why they would need the info otherwise.
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marimoose
Pearl Clutcher
Posts: 3,282 
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Post by marimoose on Sept 3, 2014 23:36:19 GMT
Sounds like phasing as others have said. I never click a link, opting to go directly to the site itself. When I was paying a bill last month my card site did request that I update my income info. I think that is standard these days with all the credit card policy changes but again, I only do it throughout the home site.
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Post by ladytrisha on Sept 3, 2014 23:48:51 GMT
scam scam scam. No matter how they word it, it's still doing one thing - you click on it, you fill out your social sec [HASH], your birthdates, your addresses and some guy in a fancy apt. in Russia is gonna have a field day ordering from Amazon.com!
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Post by peanutterbutter on Sept 3, 2014 23:51:56 GMT
My credit cards have been asking for it when I log in - I haven't done it yet. If you need to find out if the email is genuine, go directly to your cc's website and check for any messages.
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Deleted
Posts: 0
Apr 26, 2024 14:02:21 GMT
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Post by Deleted on Sept 3, 2014 23:52:48 GMT
I got this today from Capitol one myself. :/
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Deleted
Posts: 0
Apr 26, 2024 14:02:21 GMT
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Post by Deleted on Sept 3, 2014 23:55:44 GMT
I actually just did a bit of googling and it doesn't seem to be a scam. It is a requirement and not necessarily for just an increase. Something about the CARD act.
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jediannie
Pearl Clutcher
Posts: 2,836
Jun 30, 2014 3:19:06 GMT
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Post by jediannie on Sept 4, 2014 0:02:01 GMT
I checked the headers of my email and it was legit. I didn't click on any links in the email, but I did log into my account and they asked me to update my income, so yes, it was legit. When in doubt, log directly into your account and see if it asks you the same question the email did.
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Post by cmpeter on Sept 4, 2014 0:15:20 GMT
I would just call them if I had any doubt about the legitimacy of the request.
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Post by Eddie-n-Harley on Sept 4, 2014 0:21:41 GMT
Yup, one of my cards recently asked for this. I don't recall whether I got an email or whether I got a pop up alert when I logged in, but there was a specific place on the account info page to do the updating (same place where I might update address or phone or email).
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Post by kelly316 on Sept 4, 2014 0:35:57 GMT
I also received that email. It also pops up on my account when I sign in for the last month or so. If I don't want an increase (my limit is high and I pay off the small amount charged on the card each month), do I even need to update?
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mimima
Drama Llama
Stay Gold, Ponyboy
Posts: 5,014
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Post by mimima on Sept 4, 2014 0:57:24 GMT
I'd definitely consider it phishing and would not respond.
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Deleted
Posts: 0
Apr 26, 2024 14:02:21 GMT
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Post by Deleted on Sept 4, 2014 1:12:41 GMT
I actually just did a bit of googling and it doesn't seem to be a scam. It is a requirement and not necessarily for just an increase. Something about the CARD act. The thing is, that the banks are not (generally) making these requests for updated information via emails with links to click. But requesting the information IS something that's being done by many of the card issuers, so it's the PERFECT time for phishing attacks. People's guard will be down on the subject and they are much more likely to fall for the scam. I still say the email is most likely phishing. Log in to your card issuer's website and see if there is a request for info there. Or call the number on your card. |
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Deleted
Posts: 0
Apr 26, 2024 14:02:21 GMT
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Post by Deleted on Sept 4, 2014 1:13:30 GMT
I actually just did a bit of googling and it doesn't seem to be a scam. It is a requirement and not necessarily for just an increase. Something about the CARD act. The thing is, that the banks are not (generally) making these requests for updated information via emails with links to click. But requesting the information IS something that's being done by many of the card issuers, so it's the PERFECT time for phishing attacks. People's guard will be down on the subject and they are much more likely to fall for the scam. I still say the email is most likely phishing. Log in to your card issuer's website and see if there is a request for info there. Or call the number on your card. Mine is legit. 100% from capital one. I understand being cautious and totally am. But this is legit. They are not all scams. |
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scrapnnana
Drama Llama
Posts: 6,118
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Post by scrapnnana on Sept 4, 2014 1:17:43 GMT
I am just going to ignore it. We haven't solicited a credit increase so I don't see why they would need the info otherwise. Phishing scam. They send it out to a ton of people, knowing somebody has probably requested a credit increase and will take the bait. I would call your credit card company and ask what the email for their fraud division is so you can forward the email to them. |
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Post by Goldynn on Sept 4, 2014 1:27:44 GMT
I got this today from Capitol one myself. :/ Same here. |
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Deleted
Posts: 0
Apr 26, 2024 14:02:21 GMT
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Post by Deleted on Sept 4, 2014 1:40:15 GMT
I got this today from Capitol one myself. :/ Same here. I contacted them and went online directly. It was sent by them. It is not phishing. Although I didn't use the link in the email. |
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Post by gale w on Sept 4, 2014 1:44:16 GMT
You can go to your account online and get an email address they provide for forwarding these types of emails to them. I don't know if it ever helps but I usually forward them if I have time to mess with it. On the off chance it's legit, they will let you know.
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