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Beware Card Cracking

Published August 2, 2023

Disclaimer: Neighborhood Credit Union will never reach out to members and then ask for personal information. If you receive a call that seems suspicious, we ask that you hang up and freshly dial our number to confirm that we were trying to contact you. 


At Neighborhood Credit Union, we prioritize the financial well-being and security of our members. It's important to stay informed about the latest scams targeting individuals' hard-earned money. One such scam gaining popularity is "Card Cracking." We want to ensure that you have the knowledge and tools to protect yourself from this fraudulent activity.


What is Card Cracking? 

Card cracking is a form of financial fraud where scammers trick individuals into providing their debit card information, including PINs, with promises of quick and easy money. These scammers often target younger individuals through social media platforms, luring them into participating in fraudulent activities. 


How Card Cracking Scams Work: 

  • The Lure: Scammers reach out to potential victims, often via social media, offering them an opportunity to make easy money by allowing the scammers to use their bank accounts. 
  • Obtaining Debit Card Information: Victims are deceived into providing their debit card details, including the card number, expiration date, CVV code, and even the PIN. The scammers may request photos of the debit cards or access to online banking accounts. 
  • Depositing Fraudulent Checks: Once armed with information, scammers deposit fraudulent checks into the victims' bank accounts. They may claim the checks are legitimate and instruct victims to withdraw the funds and send the money back to them or to designated individuals. 
  • Disappearing Act: After the person send the money, the scammers vanish, leaving them responsible for the fraudulent activities. Victims may face legal consequences and financial liabilities. 

Protecting Yourself from Card Cracking Scams: 

  • Be Vigilant: Exercise caution when presented with offers or messages promising quick and easy money in exchange for the use of your bank account or debit card. If it sounds too good to be true, it likely is. 
  • Safeguard Your Information: Never share your debit card details, PIN, or online banking credentials with individuals you don't trust explicitly. Legitimate financial institutions or service providers will never request such sensitive information through social media or unsolicited messages. 
  • Verify Sources: Independently verify the authenticity of any suspicious offers or messages before taking any action. Contact Neighborhood Credit Union directly using our official contact information to inquire about any concerns or offers. 
  • Report Suspicious Activity: If you encounter or suspect a card cracking scam, report it immediately to Neighborhood Credit Union and local law enforcement. Provide them with relevant information and keep records of any interactions or messages from scammers.


Protecting your personal and financial information is crucial in safeguarding yourself from scams like card cracking. We are committed to your financial security. Stay vigilant, educate yourself about scams, and exercise caution when sharing sensitive information or engaging in financial transactions. Together, we can build a stronger defense against fraud and ensure the safety of your finances. 

Girl smiling at camera
Skyler has been a Marketing Content Specialist at Neighborhood Credit Union since 2019. 

Who We Are 

As an active part of the community for 93 years, Neighborhood Credit Union is a not-for-profit financial organization serving the state of Texas with branch locations in Collin, Dallas, Denton, Ellis, and Tarrant counties. With assets topping $1 billion, Neighborhood Credit Union has a continuously growing membership of over 60,000. For more information, call (214) 748-9393 or visit our homepage


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