Phony text messaging, called smishing, which purport to be from your credit card company is a scam about which I have been warning you for years, but is a scam that has dramatically increased recently due to AI. Scammers are harvesting vacation photos from social media and using AI to analyze the photos even if there was no attached metadata to identify where the photo was taken or directly indicated in your social media. They then send text messages to their targeted victims posing as the victims’ credit card company informing them that unusual activity was detected while they were traveling to wherever they actually were. Having the name of the city or country where the targeted victim was traveling included in the text message makes it much more believable. They then provide either a phone number or a link that will take you to an AI created counterfeit website of the credit card company where you will be prompted to provide credit card information that will lead to identity theft.
The best course of action when you receive such a text message, if you have a concern that it may be legitimate, is to merely independently contact your credit card company to determine whether or not the text message was a scam, but be careful that you do not misdial the telephone number of your credit card company as some scammers purchase phone numbers similar to those of legitimate credit card companies hoping that they will receive calls from unwary consumers who may have merely misdialed the telephone number of their bank or credit card company.
TIPS
Regardless of how official such a text message may appear, you should never provide personal information to anyone in response to a telephone call, email or text message because in none of those situations can you be sure that the person contacting you is legitimate. If you do receive a communication from a bank, government agency or any other person or entity that you think might have a legitimate need for personal information from you, you should call the real entity at a telephone number that you know is legitimate in order to ascertain the truth.
It is a good idea to wait until you have returned from vacation to post your photos and when you do post them on social media you should use your privacy settings to limit their viewing to just your actual friends.
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