my dad almost fell for a chase/credit card phishing scam, luckily hes very poor and remember passwords. and asked us for advice we told him its a scam.
My elderly mother has her phone locked down so that you can’t contact her unless you’re in her contacts.
We need to rethink how we let random people contact other random people. The upside of letting random people call anybody isn’t that large, and the downside is like billions of damages in scams and people losing their retirements.
Does your mom not have any doctors?
She can simply save her doctors as contacts
I’m jealous that you have never been sick in any way. That’s very literally not how the medical system works.
Did you save the phone number for the lab that processed your blood work most recently? It’s not the phone number of the people you gave the blood to, they passed it off to somebody else.
Do you save the phone number of the people that did your x-ray in the doctor’s office? It’s actually an independent contractor with a different patient notification system.
Oh by the way the pharmacy technician called you from the local branch line instead of the head office. Guess you aren’t getting your meds this month.
In no world should the technicians be contacting you about the results lol they should send the results to your doctor
That system really sounds tedious.
Here blood results are sent to your “Hausarzt” (some doctor near you who you always go to for smaller stuff but also things like this) so he can decide what you should do (he knows you better than some random company).
X-Rays are instantly discussed with you (instantly may include waiting for an hour in the hospital). Sometimes additionally also sent to your “Hausarzt”.
Pharmacies simply do offer your meds, if they have trouble getting them they contact other pharmacies but that was only the case during covid.
(And all that is paid for in tax money)
No. What we need is freaking DNS for phone numbers. I don’t get why this isn’t a thing.
So you can actually register a bunch of numbers under the same name. If
DoctorSocks.medcalls, you know it is them regradless whether it’s the front desk or what not.If
DrJoana@DoctorSocks.medcalls, you know it’s the number of that particular person.In that way you can even establish curated lists. On a govermental, but also on a community level.
Hello it’s me Bill Gates at rnicrosoft.com I will help you do the needful to fix your device.
See. This is exactly what would not happen.
Because granny’s phone white lists the curated list from her government, her family, and, well, her individual phone. Guess what? Rnicrosoft.com is not on there. Plus, it would not work like real DNS. It’s merely an anology.
So you can actually register a bunch of numbers under the same name
You can already do that with the ubiquitous vCard format.
Nope, this is not dynamic. If you call “DoctorSocks”, you will reach them because it gets resolved for you. Not because you statically saved it on your device.
The upside of letting random people call anybody isn’t that large
That really does depend on the person. My grandma can barely use email and doesn’t know the difference between her Contacts app and Gmail, nor does she even understand how to add a contact. She’d just accidentally isolate herself from people without realizing, and would also never get any of the phone calls she gets from her bank, charities and organizations she works for, etc.
Those examples you mentioned aren’t random people. They’re people she knows and organizations that she associates with. I am suggesting that we rethink the system to specifically disallow randos.
People and organizations that:
- Are known to use a variety of numbers (e.g. her bank uses different numbers for fraud alerts, customer service, specific front helpdesk phones, etc, and her medical providers all use different numbers and platforms to send out information)
- She doesn’t know how to add manually even if she’s told the details for
That’s why I’m saying it isn’t for everyone. Sure, maybe you can find someone that does have a bank, medical providers, insurance providers, etc, that uses only one number for all phone-based communication and uses no third-parties, but that’s not the norm, so for her, that would result in constantly missing bills, follow-up texts, fraud alerts, customer service callbacks, etc.
Again, my suggestion was that we rethink the system, not that we keep the current system exactly as it is except that everybody locks down their cell phones. If we rethink the system, then those examples you thought of would be use cases for contacting people under the new system.
Have you ever had food (or package and furniture even) delivery where they need to call, or gotten a call from a pharmacy, or had to call a plumber, or lost a pet? There’s tons of reasons why people need to call a random person.
It makes sense to have the option to lock down a phone to just contacts, like for kids and the elderly, but not for everyone.
If you’re hot, then giving randos your phone number is a recipe for stalkers.
Everyone should have multiple phone numbers, each with expiration dates that vary according to how long you expect to interact with them: 1 day for food delivery, 1 month for dating, 1 year for classmates, coworkers, or family. 10 years for close friends.
For me it’s calls from medical professionals regarding my wife. There’s no way to know ahead of time the entire list of numbers all of these organizations - each facility, each provider, each insurer, each pharmacy.
Definitely! And if you’re someone’s emergency contact, forget about it.
My ex fell for a “credit repair” scam over the phone. They said they’d charge a certain amount every month to her credit card and invest it in an account she could access in a year, and that it would look like she was paying off a debt.
She told them she didn’t have a credit card, just a debit card. “That’s fine,” they said.
I asked her how she thought that would work and she said she didn’t know.
I asked her how she thought that would work and she said she didn’t know.
Fun fact, this is actually a real thing you can do, and the real ones aren’t scams. (unless you consider paying a fee in exchange for quickly building solid credit history without spending money on goods a scam)
They’re called Credit Builder Loans.
Essentially, you’re not technically “putting money in an account”, you’re being given a loan at a future date, after you’ve made your payments. (basically just a reversed loan schedule) If you miss a payment due date, it hurts your credit just like missing a regular loan payment for money they already gave you.
Some charge interest (basically any given by for-profit companies/banks), some don’t (mostly just the occasional credit union). They do exactly what the credit system is supposed to indicate, which is show that you can make payments consistently and on-time, regardless of if you got the money upfront or after.
Personally, I almost always would say secured credit cards and credit-building “debit” cards are a better option. (e.g. the Chime’s and Step’s of the world where your card limit is always your current balance and never more, except for overdrafts) If you look at a big credit builder loan provider like Self, you can see their plans result in you paying pretty large fees overall just to boost your credit score, like paying $600 in and getting $511 back on their cheapest plan. Ideally, you’d have a credit union that wouldn’t charge a fee, but might just offer a low or no interest rate compared to investing it in a CD in exchange for them having to effectively hold that money for you instead of being able to offer it out for loans. (and even then, the term is fixed, so they can still loan it out as long as they know they’ll get it paid back by the time your term ends)
no wait what? the bank is basically borrowing from me, and yet i can be charged an interest and be punished if i don’t lend them money on time?
that, sir, sounds like a scam.
It’s only a scam if they tell you one thing and charge you another. If the terms are laid out in plain English and everyone agrees to the terms, it’s not a scam, no matter how bad those terms are for you.
yet i can be charged an interest and be punished if i don’t lend them money on time?
Yes, that’s one of the reasons they work so well at quickly building up credit history for people with really bad credit to begin with. The credit bureaus see an actual loan, with actual interest, and actual required payments. If they didn’t ding you for missing payments, then the credit bureaus wouldn’t count it as a loan in the first place. There has to be some kind of pressure, consequence, and real-world stakes to missing payments to actually make it valid in their eyes, otherwise it’s no different than a regular savings account you put money into whenever.
The entire point of it is to measure if you can be trusted to responsibly borrow or pay back money, they have to give conditions closer to actual loans to actually be considered in your credit score.
The trade is pretty simple, you give them some of your money, your credit score goes up. It might not be a good deal if you already have the ability to earn off a credit card, but these are mostly targeted at people who get rejected for any card they apply for. They’re so low-risk for the company and so guaranteed that it’s why they can offer them to basically anyone regardless of credit.
That said, I still would say secured cards are a better option, as nowadays there are cards where instead of it being like “give us a $200 payment and we’ll give you a $400 credit limit with chances for increases later”, it’s “give us a $200 payment regardless of your credit score, and you can spend up to exactly $200, and maybe if your score goes up enough we’ll give you the real deal”.
The main problem with secured cards is that the way your credit score is calculated also calculates the % of your credit utilized. Higher is generally worse. So if you get a secured card, and the company offering it only allows you to start with $200, if you spend all $200, you’ll actually get a smaller boost to your score than if you’d spent $50 out of the $200 and no more over the entire month, or spent $200 on credit builder loan payments, which counts as a full, outstanding debt, just one that you’re regularly making payments on.
Again, this is why they are marketed to people looking to increase their score faster. You might spend more overall in interest, but you get a larger impact on your score than other options that factor in utilization, and they also tend to result in much larger increases over the same period for people that don’t already have a line of credit, which is obviously good for… people who don’t have access to credit and want to increase their score fast to get that access.
I wouldn’t personally choose one, it makes no sense for my situation, but they are a good option if you are, generally speaking, unable to get other lines of credit, will spend close to the limit of a secured card, and/or need a higher score faster than you could otherwise slowly build it up.
I’m aware of these, and have done one myself. This isn’t what they described, though, or at least not how she described it to me. Credit building loans are, well, loans, and as such have a specific “principal amount”, pay off date, etc. This was supposed to just be an ongoing thing she could stop at any time and just have a fat chunk of change that’s been growing with the stock market to stick in her pocket whenever she wanted.
In other words, a very obvious scam.
Oh yeah, I’ve never heard of a credit builder loan with an ongoing date and cap. That’s definitely not a credit builder loan 😭
I think I know why that person doesn’t have a credit card
I got scammed with a phishing email a few years back. I’m still pissed at myself. Motherfuckers got lucky. I had lost a credit card so I canceled it and got a replacement. I had several subscriptions on that card and I was going through changing my card info on them. I just so happened to get a scam “unable to process your payment” email for Netflix before I had changed the card info for it. I did what you never do. I clicked the link instead of going directly to Netflix and changed my payment info. Didn’t notice anything was wrong until they bought a plane ticket with it. sigh
My sister once fell for a fake bank notification after she just set up her new phone’s bank app.
That’s how those scam emails work, they know that some percentage of people will have just changed cards or something that day so they’ll be inclined to believe the email.
Was good day. Their entire scam is base on them getting lucky, unfortunately. I’ve gotten hooked a couple time at first because it related to my life. My suspicious now triggered when I have to fill in too much detail to connect it to my actual life. The best lies use truths.
Being old is not an excuse for being dumb.
I’m not talking about knowing stuff, but the inherent knowing-that-you-don’t-know.
Do you not know how aging works?
There’s a line between having full blown dementia and being entirely helpless with out help. And a random 65 year old just being fucking stupid cause they are “old” and stopped trying to think for themselves.
A LOT of elderly are still entirely of sound mind and just even attempting to think for themselves. Hell it is not even just the elderly. People let themselves go fucking retarded the moment they have to actually use their brain for anything outside their expertise or day to day tasks.
Its insanely frustrating to watch.
Yeah some times the scammers just get lucky or someone has a brain fart. It happens we all have off days.
But dear fuck do some people just never try.
No they aren’t, even without dementia or other cognitive conditions, aging causes mental decline. This is widely researched and known.
It kind of is. There is are a lot of people in the early stages of dementia or Alzheimer’s who get easily confused and are aware that they can’t trust their own memory. It’s very easy to see how they could be talked into trusting someone they shouldn’t.
You can wither use a credit card responsibly, or not have one. Credit card companies could probably do more here by making an “old person card” that can’t be used to make online orders or phone orders, but until then, these people shouldn’t be using credit cards with high limits.
Idk I think everyone is dumb somewhere and I dont think people can generally identity where that is.
Exactly.
“You just won Beyoncé tickets!”
“Wow I didn’t even enter a contest, but ok!”
—A certain percentage of people off the street regardless of age
I read this and for two seconds I thought “Oh, someone with some empathy and morals that shouldn’t be doing this, how nice,” then I remembered what species I’m a part of.
