Today i.e October 31st around 11 AM. I have received a call from MyMoneyMantra's Lady TeleCaller. This company's executive called me and said I am eligible for Citi Bank Credit cards and it is preapproved. They have all the details of my PAN and Company in which I am associated with. They provided thorough details of Citibank Credit Cards benefits viz.
1)Get up to 71 litres of free fuel in first year. 2)Fee waiver of Rs 1000 on annual spends of Rs 30000. 3)Fee waiver of Rs 1000 on annual spends of Rs 30000. 4)Annual fee : Rs 1000 + taxes#. 5) Never - expiring reward points. 6)Simply tap and pay using a contactless card.
When I accepted their offer the executive asked my DOB, Father's Name, Mother's Name and residence address. I provided the same. Then the executive told me that I will be receiving an SMS in my mobile and will process further online and all the necessary details needed to be filled up online also.
After some time I got one SMS from VM-MMMWOW. The SMS content was as follows- "Dear Ranjit Mahato, Please check http://1kx.in/AoBVYBEfXQ3 and verify details to finish your application for Citibank Credit Card. MyMoneyMantra"
When I click on the link it took me to their website (https://citibank-creditcard.mymoneymantra.com/) and again I have filled up all the details what I shared during telecalling.
After completion, I have received a confirmation message regarding my application and provided me the reference no.
Then on the same day, one person from this company called me and asked if I have applied for a Credit Card. I reply positive.. Then asking my Salary amount and the ITR and my company's turnover. After getting all the details, the guy offered me IDFC credit card.
My concerned is:
1) They got all the details from a third party. There is no privacy and always received pesky calls unnecessary.
2) They may be selling these data to another 4th party after getting confirmation from the phone and from the website.
3) They attract you with the offering of Big company's Credit Cards and possibly will trap you in some other type of Credit Cards in which are less attractive and may be with higher annual fees or interest rate.
These third-party company dupes customers with fake offerings and trap customers in financial fraud. They knew that customers will not accept the offering unless it makes more attractive.
I hope, this incident which I have gone through is a lesson for other while giving details online/offline. Please find attached screenshot of my online application for your better clarity.
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