New credit card scam: Be cautious if you receive an offer to pay your bill..

Cyber ​​fraudsters are constantly devising new methods to scam people. Recently, they have started using credit cards as a tool for their schemes. If you use a credit card, this information is crucial for you—especially if you have a large outstanding balance, as fraudsters might target you. The Department of Information Technology, Bihar, has issued an alert on its official X (formerly Twitter) handle regarding this type of cyber fraud and advised the public to exercise caution. Let’s understand how cybercriminals are ensnaring people in their trap.

**How ​​does the scheme begin?**
Cyber ​​fraudsters first identify individuals with significant outstanding credit card balances. Often, these individuals are already distressed by persistent calls from banks or recovery agents. Fraudsters exploit this vulnerability to make contact.

They claim they will pay off your entire credit card bill. Furthermore, they entice you with the promise of a commission in return. Many people facing financial hardship believe this offer is genuine.

**How ​​they trap you**
After making the offer, the fraudsters ask for details regarding the bank account linked to your credit card or seek access to that account. Many people share this information without a second thought.

Next, the fraudsters transfer money—obtained by scamming someone else—into your bank account. They use these funds to pay your credit card bill and ask you to return the remaining amount to them in cash. In exchange, they give you a small commission.

**How ​​do you suffer a loss?**
At first glance, this process might seem beneficial to you—your bill gets paid, and you even earn a commission on top of it. However, the real trouble begins when the police investigate the source of the fraudulent funds.

Police investigations trace the money trail directly to your bank account. While the actual fraudsters vanish, you may find yourself having to answer to investigative agencies. In other words, you could come under police scrutiny even without any malicious intent.

Therefore, never trust offers from strangers—such as paying your credit card bill in exchange for a commission or as a free service. Do not allow your credit card or the linked bank account to be used for anyone else's transactions. Avoid sharing bank account details, OTPs, passwords, or account access with anyone.

Where to lodge a complaint
If you receive such an offer or inadvertently fall victim to cyber fraud, lodge a complaint immediately with the National Cyber ​​Helpline at 1930. Remember, a little caution can save you from both financial loss and legal trouble.

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