I am good at avoiding scams. I have only managed to almost fall for one email scam, and it was years ago, and as soon as I saw they were asking for my social security number I knew something was wrong. Nowadays with the automatic junk mail detectors and being able to see where links are directing you, it’s pretty easy to see what’s garbage and what isn’t.
However, last week I fell for something I hadn’t experienced before - a text message!
It was sent from an unverified number to my phone, which should have tipped me off, but for some reason I thought “Oh, it’s unverified because they’ve never sent to me before”. (In retrospect, I don’t know what I was thinking. I must have still been half asleep, or distracted by the baby or the bird.) I called the number the text told me to, and entered all the information they asked for (and no, they didn’t ask for my SS#), but when the automated voice just said “Thank you!” and hung up without connecting me to a bank representative, I knew something was wrong. I called my bank back and told them that I was concerned that I was an idiot, and they verified that, indeed, I was an idiot. They immediately canceled my card and ordered me a new one.
I then replied to the text message, “Screw you, scammer.” I don’t know if anybody got it or not.
So no harm, ultimately, since there’s no way they had my bank card information long enough to actually do anything with it. The only annoyance at this point is that it’s a week and a half later and I still don’t have my new ATM card yet. Hopefully it arrives today.