The owner of the credit card receives a message on his cell phone that the card is blocked. To unlock it, you are invited to make a call back to the operator of the financial institution at the number specified in the SMS. When making a phone call, the fraudster is presented as an employee of the bank issuing the credit card and asks for secret information: the number from the plastic, the code word and the numbers of the PIN code, allegedly necessary for unlocking. With this data, the swindler will not be difficult to use the money amounts from the card account.