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The move has taken place over several months, with credit card issuers sending out new cards over a period of time rather than all at once.
More recently, scammers have started placing skimmers over the credit card readers in self-checkout lanes at major retailers.
If you give up your credit card details, the scammer can use the information to make fraudulent charges on your account.
In an effort to save data on your phone or to avoid paying for Wi-Fi when you’re in public, you may look for and connect to the first open Wi-Fi hotspot you find. Scammers set up a free Wi-Fi hotspot that doesn’t require a password.
The call may sound like it comes from your credit card issuer and the company may even have your credit card account information.
The scammer charges your credit card for the services, but doesn’t help you lower your interest rate as promised.