Keeping you up to date about the latest types of scam.
You are in section Home Help Security centre Fraud awareness Latest fraud scams Current Page
Latest scams
We'll never ask you to:
- tell us your card’s 4-digit PIN
- share your online banking password, Secure Key codes, or one-time passcodes sent to your phone
- transfer money anywhere, including to a 'safe' account
- send us your card, cheque book or cash
- check the number we're calling from is genuine by looking it up on the Internet.
When you're contacted by phone, email or text:
- stop – be suspicious. Taking a moment before parting with your money or information could keep you safe
- challenge – could it be fake? It's OK to reject, refuse or ignore any requests. Only criminals will try to rush or panic you
- protect - ask someone you trust, such as a friend or family member. Don't call numbers in messages or emails - contact the company directly or go to the official website or app.
We also regularly post warnings about common scams on our social media channels Facebook, Instagram and Twitter Opens an overlay [Will show a security message first].
May 2023: Cryptocurrency scams
Cryptocurrency– a digital asset used in place of regular currency, is becoming more and more popular. If you want to trade professionally, you'll need to use a cryptocurrency exchange that requires you to verify your ID and open an account or ‘wallet’.
Fraudsters have realised people are looking to invest in cryptocurrency and as this way of trading money is not regulated, it’s difficult to make sure you’re sending your money to a genuine cryptocurrency account.
What to watch out for
- If someone asks you to give your bank a false reason for an investment payment, don't. Fraudsters know these payments may attract more scrutiny and will try to avoid it.
- Fraudsters may also ask you to download software to access your devices and move money without your knowledge.
- Fraudsters may impersonate famous people on social media or messaging groups, to make their offer look real and more appealing.
- The most high value cases even give a return in the short term, to convince victims to invest more. Then, after they send larger payments, they suffer even greater losses.
- If your account is suddenly closed and they refuse to transfer your funds, or ask for more money before they can transfer funds, report them immediately.
Top tips to keep your money safe
- Beware of ads on social media using celebrities or public figures to promote cryptocurrency investments.
- A glossy website and reviews from ‘high net worth’ investors are no guarantee an offer is genuine.
- Never allow anyone to set up a cryptocurrency wallet, upload ID documents or manage investments for you.
- Make sure the wallet is in your name and only you have access to it.
- Never download software that gives somebody access to help you invest or make payments.
- If in doubt, do some research using well-known, reputable sources before making a payment.
- Report any suspicious activity. It builds awareness of fraud and helps everybody.
Think you’ve seen something suspicious?
To report a scam or fraudulent activity, get in touch on our usual number, the one on the back of your first direct card.
March 2023: Ghost broking – selling fake car insurance
With 1 March being one of the dates new car registrations are released, it’s a time of year a lot of people need to update their car insurance.
This means fraudsters have another opportunity to scam us. Ghost broking is where a scammer sets up a fake website and sells a fraudulent car insurance policy – people don’t know the policy is fake unless they need to make a claim, and then it’s too late. Not being properly insured can get you six points on your driving license, a fine, or worse, a criminal record.
The best way to make sure you don’t end up being sold fake car insurance is to search for the best prices on reputable websites and well known comparison sites, and always check the ratings of any companies as well as making sure they have a phone number that works and checking their company address, and you can do your own checks as well:
- To check a broker, visit the British Insurance Brokers' Association (BIBA).
- To check a direct insurer, make sure they're a member of Motor Insurers' Bureau (MIB).
- Whether broker or insurer, check they're registered with the Financial Conduct Authority (FCA). If they're not, it’s best not to buy your insurance from them.
November 2022: Black Friday and Cyber Monday - Online shopping scams
Look out for online shopping scams this month, as Black Friday deals clog up your inbox, scammers are able to create fake retailer websites and browser links that mimic our favourite stores.
These scams can allow criminals to collect financial details and use credit cards fraudulently. They may also be able to access personal details and passwords.
What to look out for:
- an online offer looks too good to be true
- when you enter your details or reach the checkout, there is no padlock in the website address bar (a padlock is a sign that your connection is secure and the information shared is encrypted BUT it does not necessarily mean the website is genuine)
- the retailer insists on immediate payment, or payment by bank transfer
- you can’t find any contact details or shipping policies on the website
How to protect yourself:
- only buy from retailers and brands you know and trust
- avoid clicking on links from social media adverts – type the website name directly into the address bar
- look for a padlock symbol in the address bar for a secure connection
- always update your computer/phone/tablet operating software and install anti-virus software from a reputable company
- pay with a credit card or payment option that gives you some protection
- always ‘log off’ or ‘sign out’ of online banking or shopping accounts
November 2022: Remote access takover
This type of fraud starts with an unexpected phone call from someone claiming to be from a well-known company. They may say:
- there's been an issue with a refund
- they're trying to solve technical problems with your computer or Wi-Fi
- you've fallen victim to fraud
The criminal will then tell you to download software or a mobile application to fix things.
They'll ask you to log on to online or mobile banking and share your screen using the remote access software you've downloaded. The fraudster can then take full control of the online or mobile banking session and use your details to steal your money.
No genuine company will ever call you out of the blue to ask for remote access to your devices.
Never give out any the following over the phone:
- your personal details
- payment details
- online or mobile banking credentials
If you're not sure, always call the company back on a trusted number that you know to be correct.
Find out more about remote access takeover scams.
November 2022: Delivery scams
Criminals are sending fake text messages and emails claiming to be from a delivery company.
They say they tried to deliver a parcel to you and ask you to click on a link to find out more or rearrange delivery.
Don't click on any links or give any information, especially personal or financial details.
If you think the message may be genuine, open a separate window and visit the company's website using an address that you know is safe. Once there, you can enter your tracking number to see if the message was genuine.
If you think the message isn't genuine, delete it.
Never give any information if you're contacted unexpectedly by email, phone or text. Contact the company separately using a phone number you trust.
Contact us using the number on the back of your card if you've fallen victim to this scam.
September 2022: Digital wallet scams
Watch out for unexpected messages about your digital wallet, especially if you haven't used it recently.
Fraudsters are impersonating banks by sending texts saying there’s a problem with your digital wallet, or it's been suspended or blocked. They'll ask you to enter your personal details via a link, which they'll use to access your accounts.
Always question messages with links asking for personal and financial details. They might want you to share things such as your name, address, card details, sort code and account number.
What you should do:
- don’t reply, open any links or enter any details
- report messages by forwarding them free to 7726
- check your account using the wallet app on your device
If you think you've been scammed, call the number on the back of your first direct card immediately.
August 2022: Council tax and energy rebate scams
Criminals are claiming to be getting in touch about the government’s plan to tackle the cost of living crisis.
They pretend to be from the government or UK energy regulator Ofgem.
They're sending mails and texts that contain links to websites, asking you to give personal and financial details to claim funds.
Council tax rebates are paid directly to your bank account and any discounts to energy bills will be made automatically by your energy supplier. There's no need to apply.
Ignore any suspicious contacts made asking for personal and financial details and report any such activity directly to Action Fraud Opens an overlay [Will show a security message first].
If you've fallen victim to this type of scam, you should also contact us directly using the number on the back of your credit or debit card.
You can also visit Ofgem Opens an overlay [Will show a security message first] and GOV.UK Opens an overlay [Will show a security message first]directly to find out more.
July 2022: Impersonation scams
There's been a steep rise in criminals pretending to be from first direct and trying to get you to move money into ‘safe accounts’.
They use clever techniques to disguise themselves, such as:
- sending scam emails or texts that urge you to click on a link
- using information they've found out about you, to appear genuine
- calling from numbers which may seem genuine but aren’t.
Here's how to stay safe from these scams:
- never move money to a ‘safe account’ if someone asks you to
- never share any one-time codes.
If you've had any suspicious calls or texts, don't hesitate to get in touch with us. Just use the number on the back of your card.
July 2022: Cryptocurrency scams
Fraudsters are trying to cash in on all the talk about cryptocurrency. They'll ask you to move money and offer fake investments.
Before making any investment, always research the company and check they're regulated by the FCA (Financial Conduct Authority) Opens an overlay [Will show a security message first]. If they aren't, you won't have any protection if things go wrong.
Here's how to stay safe;
- stay in control - never let anyone set up a cryptocurrency wallet, upload ID documents or manage investments for you
- don't share access - fraudsters may ask you to download software so they can access your devices and move money without your knowledge
- spot familiar tricks - you may be asked to move money, but to give your bank another reason to get a 'smoother' transaction. Fraudsters know payments for investments may attract more scrutiny and will try to avoid it
- don't fall for fake endorsements - fraudsters may impersonate famous people on social media or messaging groups, to make their offer look legitimate
- don't be pressured - high value cases even give a return in the short term, to convince the you to invest more. Then, after they send larger payments, they suffer even greater losses.
June 2022: Council tax and energy rebate scams
Criminals are using the cost of living crisis as an opportunity to try to steal your money.
They get in touch, pretending to be from the government or UK energy regulator Ofgem.
They're sending mails and texts that contain links to websites, asking you to give personal and financial details to claim funds.
Remember - council tax rebates are paid directly to your bank account and any discounts to energy bills will be made automatically by your energy supplier. There's no need to apply.
Ignore any contacts asking for personal and financial details and report any such suspicious activity directly to Action Fraud Opens an overlay [Will show a security message first].
If you've fallen victim to this type of scam, you should get in touch with us. Just use the number on the back of your credit or debit card.
You can also visit Ofgem Opens an overlay [Will show a security message first] and GOV.UK Opens an overlay [Will show a security message first] to find out more.
May 2022: Urgent requests to deactivate your first direct App
Fraudsters have been impersonating our fraud team and calling to tell you to deactivate your App to ‘avoid fraud’. They say they’ll talk you through setting it up again.
When you’ve deactivated your App, the scammer will actually download it on their phone and use the details they ask you to give them on the call to access your money and card details.
The only time you’ll ever need to deactivate your App is if you get a new device and you decide to set your App up on that when you’re fully in control of the decision.
We will NEVER call you to ask you to deactivate your App or ask you to give us any of your security details or any codes generated by our App or sent to you by SMS.
May 2022: Scammers spoofing our 03 456 100 100 number
We’ve even seen a number of instances where fraudsters have tricked our customers into thinking they’re talking to us because the fraudster has managed to make it look like our 03 456 100 100 phone number is calling them.
We may call you from this number, but if you ever receive a call from someone claiming to be us, you’ll know for sure it’s a scammer if you’re asked to:
- deactivate your App
- give any details about your security – including passwords, secure key codes, one-time passcodes or other personal details
- to move money into a so called ‘safe account’.
We’ll never ask for any of these. If you have any doubt whatsoever, just ask to call us back – we wouldn’t ever be offended – and then you can call us back once you have had a chance to gather your thoughts.
Find out more about phone scams.
May 2022: NHS Covid Test Text scam
Now many of us are paying for COVID tests, fraudsters may text you asking for a small payment for your tests.
If you pay them, they know you’ve fallen for a scam. They then call pretending to be our fraud team and ask you to move ALL your money into a ‘safe account’ – which is actually owned by them.
We will NEVER ask you to move your money into a ‘safe account’.
April 2022: WhatsApp scams
We are still seeing WhatsApp scams as we were in December 2021.
Criminals pose as loved ones and send messages out of the blue, often pretending to be children asking for money urgently.
Trading Standards officers say the messages can be very convincing and plausible.
There have also been reports of people mistakenly sharing their WhatsApp verification code. This can lead to their account being taken over and misused.
Always remain vigilant when using online platforms to talk to family or friends. If you're not sure that someone is who they say they are, the best way to check is to call them using a phone number you know to be genuine. By speaking to them verbally, you'll know it's their voice.
If you receive a message out of the blue, remember:
- don't reply
- delete the message
- forward it to your mobile operator on 7726
- never share one-time passcodes used to check your identity.
April 2022: Ukraine crisis
If you want to help the humanitarian efforts in Ukraine, we encourage you to give to registered charities. Not all websites and fundraising pages will be genuine.
As always, you should remain vigilant and follow the advice in our fraud guides.
We’re supporting the registered appeals set up in the UK to respond to the crisis. Find out how you can donate.
April 2022: Funky Pigeon cyber-attack
The online greetings card business Funky Pigeon has stopped taking orders after being hit by a cyber-attack.
It says no payment data is at risk and it doesn’t believe account passwords have been affected.
Anyone who has bought something from Funky Pigeon or has an account with the retailer is advised to:
- update their security credentials on the Funky Pigeon website
- check their accounts for any suspicious activity
- be alert to suspicious contacts reporting to be from the retailer or first direct asking for personal or financial details.
Check our Fraud awareness hub to get online guidance on how to report any suspicious activity.
March 2022: Tax year scams
Fraudsters see key times in the tax year as an opportunity to make 'social engineering' attacks.
These can be:
- scam emails
- scam texts
- bogus phone calls
Her Majesty's Revenue and Customs (HMRC) has warned people to be on their guard as the end of the tax year approaches.
Watch out also for messages pretending to be from HMRC saying you've received a tax rebate and asking for your account details.
To spot a scam, look for these tell-tale signs:
- poor spelling and grammar
- requests for confidential information such as online banking details, passwords or PINs
- offers of money or rewards, like lottery prizes
- warnings your account may be shut down unless you take some type of action.
February 2022: Phone call scams
One ploy that criminals use to try to bypass our fraud checks is to make contact with you directly.
This is typically a phone call, but can also be done using instant messaging services like WhatsApp or Facebook Messenger.
Fraudsters pretending to be family and asking for money on Whatsapp or by text is very common at the moment.
Fraudsters find it easier to talk their victims into bypassing our checks than trying to do it themselves.
They gather personal and financial details using phishing or other techniques. When they call, they use those details to convince you they're genuine.
Once a fraudster has found out what they need to know, they'll tell you to take actions that will compromise your account.
These include:
- sharing one-time codes with them
- replying to text alerts incorrectly
- deleting your mobile banking app
Be careful when replying to text alerts. If you do so incorrectly, it could inadvertently confirm a fraudulent transaction as genuine.
If someone tries to convince you over the phone to ignore the instructions in a text alert, that’s a tell-tale sign it’s a fraudster.
If you get a phone call out of the blue claiming to be from first direct or another company, hang up and call back on a number you know to be genuine.
February 2022: Payment scams
With this type of scam, you get a call, email or text message claiming to be from the first direct fraud team or another bank department. Fraudsters might also pretend to be from other financial organisations, your telecoms or utility provider or even the police.
They say there have been fraudulent transactions on your account and tell you to protect your money by transferring it to a safe account. In most cases the money goes to another bank and sometimes to different accounts.
The criminals will often warn that bank employees are part of the fraud and coach you not to trust them.
Being asked to lie to the bank about the reason for making a payment is a clear warning sign of a scam.
first direct will never ask you to move money. If somebody is asking you to move money, it's a scam.
January 2022: Tax year scams
Fraudsters see key times in the tax year as an opportunity to make 'social engineering' attacks.
These can be:
- scam emails
- scam texts
- bogus phone calls
Her Majesty's Revenue and Customs (HMRC) has warned people to be on their guard as the end of the tax year approaches.
Watch out also for messages pretending to be from HMRC saying you've received a tax rebate and asking for your account details.
To spot a scam, look for these tell-tale signs:
- poor spelling and grammar
- requests for confidential information such as online banking details, passwords or PINs
- offers of money or rewards, like lottery prizes
- warnings your account may be shut down unless you take some type of action.
January 2022: Romance scams
Take extra care at this time of year to guard against romance scams.
Fraudsters are known to target victims around Valentine's Day, setting up fake profiles on dating websites, apps and social media.
These criminals exploit the emotions of their victims. First they try to appeal to your compassionate side, then they start asking for money.
Typically, they might tell you they live outside the UK and claim they need money to pay for the cost of travelling to see you.
Never send money to someone you've only met online.
If you think you've fallen for a romance scam, you can call us using the number on the back of your credit or debit card or report it to Action Fraud >
Find out more about romance scams >
If you get a suspicious email or text, don't reply or click on a link and don't open any attachments.
If you think you're being targeted by a bogus phone call, don't be afraid to hang up.
December 2021: WhatsApp scams
Several UK banks are warning of the risk of WhatsApp scams.
Criminals pose as loved ones and send messages out of the blue, often pretending to be children asking for money urgently.
Trading Standards officers say the messages can be very convincing and plausible.
There have also been reports of people mistakenly sharing their WhatsApp verification code. This can lead to their account being taken over and misused.
Always remain vigilant when using online platforms to talk to family or friends. If you're not sure that someone is who they say they are, the best way to check is to call them using a phone number you know to be genuine. By speaking to them verbally, you'll know it's their voice.
If you receive a message out of the blue, remember:
- don't reply
- delete the message
- forward it to your mobile operator on 7726
- never share one-time passcodes used to check your identity.
November 2021: Invoice redirect scams
Fraudsters have a new way of carrying out invoice redirect scams.
According to UK Finance, they're still intercepting emails between solicitors and clients about house purchases. However, instead of changing the beneficiary details on the invoice, they're emailing the house buyer to tell them to expect a call with updated payment details.
They then spoof the solicitor’s phone number to call the buyer and give the fraudulent beneficiary details.
Never change payment details in this way without first contacting the payee using a phone number you know is genuine.
If you do get a suspicious phone call, make sure you hang up and wait 15 seconds so the line is fully disconnected. Then wait another 15 seconds before beginning a new call, or use another device.
Never give any information if you're contacted unexpectedly by email, phone or text.
October 2021: Money mules
If you're starting university or a new job, you could be targeted by criminals asking you to move money for them.
Students are often approached to act in this way as a 'money mule' as they might be strapped for cash.
Don't be tempted.
Allowing money to be transferred through your bank account in exchange for payment is a crime. It might seem a harmless way to earn easy money - but it's feeding larger organised crime.
The fraudsters can seem genuine and you may have first seen the opportunity on a legitimate job site.
But once you start, you may be threatened or forced to continue.
Remember, acting as a money mule can get you into serious trouble:
- you'll have problems applying for credit in the future
- your bank accounts will be closed
- you could even go to prison for up to 14 years
September 2021: NHS COVID Pass scams
Criminals are using the NHS COVID Pass to try to convince people to hand over money, financial details and personal information.
They're getting in touch pretending to be from the NHS and are also offering fake passes.
The genuine pass shows your coronavirus vaccination details or test results.
Here's how to get one from the NHS Opens an overlay [Will show a security message first]
For the latest guidance on coronavirus please visit the official government website Opens an overlay [Will show a security message first]
If you believe you've fallen victim to this scam, contact us using the number on the back of your card.
September 2021: Never share one-time passcodes
Beware of criminals trying to steal your money using a one-time passcode (OTP) scam.
A one-time passcode (OTP) is a string of random characters and letter that you can use for a single transaction or log on session.
Never share these codes with anyone.
Fraudsters might ask you to share these codes by pretending to be someone you trust like your bank or the police.
If this happens, hang up.
Fraudsters may call you, using clever techniques to disguise themselves. They do this by calling from numbers which may seem genuine but aren't. This is known as number spoofing.
We'll sometimes send you one-time passcodes for things that you know about. These are to be used to check that it's really you. We will never ask you to share these codes.
Genuine passcodes
Here's when you'll use a one-time passcode for things you've authorised:
- you generate a code using your Secure Key to log on to online banking, set up a new payment, authenticate yourself in online banking or switch to a new mobile device
- you've received an expected text or email with a one-time passcode to validate genuine activity such as an online transaction or setting up your card in a digital wallet like Apple Pay.
Passcode scams
Fraudsters will ask you to share a one-time passcode which will allow them to impersonate you and try to steal money from your account.
They may claim that:
- you need to share a code using your Secure Key to stop a payment debiting your bank account
- you need to share a code received in an unexpected text or email to prevent a suspicious transaction
In reality they will use these codes to validate their fraudulent activity.
If you suspect a scam, please call us using the number on the back of your card.
June 2021: 'New payee' scams
Some customers have received bogus text messages claiming a new payment has been made via the first direct Mobile Banking app. They were then asked to validate their bank details by following a link to a fake website in the text message.
Do not access the site or provide any information. Always go to first direct.com to log on to online banking securely.
If you believe you've fallen victim to this scam, contact us using the number on the back of your card.
You can check whether a text message is from us by visiting our Received a text page.
June 2021: Mobile phone upgrade scams
The National Fraud Intelligence Bureau (NFIB) is warning of a cold-calling scam. The criminals impersonate employees of legitimate mobile network operators and suppliers.
Victims are offered early handset upgrades or new contracts at significant discounts. Once victims have been convinced that the deals are genuine, the fraudsters then ask for their online and mobile banking credentials, including their log on, address and bank account details.
Here's what you should do to protect yourself:
- if you receive a cold call about handset upgrades and contracts – hang up and do not reveal any personal information
- you should only contact your mobile network provider on a phone number that you know to be correct
- if you receive a device that you didn't order or expect - look for the genuine sender's details, which will be within the parcel, and call them immediately
- never post a device directly to a given address – genuine mobile network operators would send you a jiffy bag so you can return it without your incurring additional costs.
June 2021: Safe account scams
Beware of criminals phoning and asking you to move money. If someone calls you and asks you to move money, don't. Even if it's to another account you already hold.
Remember: we'll never ask you to send money to a 'safe account' or to another bank.
If you get a call like this, even if they say they're from first direct, don't make the payment. Call us using the number on the back of your card.
We'll never ask you to send money to a 'safe account', or to another bank. Criminals will.
May 2021: Secure Key scam
Bogus emails are being sent which claim to be from first direct and include a link to 'improve online services' of our Secure Key.
Don't click on any links or give any information, especially personal or financial details.
Forward the email to us at phishing@hsbc.com and then delete the email.
You can find out more about how our Secure Key works.
If you've fallen victim to this scam, contact us using the number on the back of your card.
March 2021: Police impersonations
There's been a steep rise in criminals impersonating police officers to commit fraud.
They're spoofing genuine numbers and claiming to be local police. The criminals then usually use a safe account scam where they ask victims to make bank transfers.
Police forces in Leicestershire, Hertfordshire, Kent and Nottinghamshire have already reported this kind of activity.
If someone calls you and asks you to move money, don't, even if it's to another account you already hold.
The police and other trusted organisations will never ask you to send money to a 'safe account' or to another bank. Criminals will.
March 2021: Cryptocurrency scams
Fraudsters may tempt you with investment opportunities in cryptocurrencies. Before you invest, conduct your own research to make sure you understand the offer and how the investment works.
Some scams claim to be investing in cryptocurrency, but they're not paying a wallet provider. If they are paying a wallet provider, check the following:
• how do you know the wallet is in your name and only you have access to it?
• if the payment does go to a wallet you control, why are you being asked to move your currency to another wallet?
• how can you keep the contents of your wallet secure and never share access details with anyone else?
Find out more about cryptocurrency scams from the national cybercrime reporting centre Action Fraud > Opens an overlay [Will show a security message first]
February 2021: Impersonation scams
We're seeing an increase in impersonation scams, where criminals pretend to be from trusted organisations.
They will contact you out of the blue via phone calls, emails or text messages. Common reasons given are:
- you're eligible for a coronavirus vaccine
- your National Insurance number has been compromised
- you've received a tax rebate from HMRC there's been a suspicious transaction on your card or bank account
- your account with a retailer has been compromised.
If you think a phone call might be a scam (sometimes known as vishing), just hang up. Beware also of automated phone calls asking you to press 1 to speak to an adviser or manager. Generally, these put you though to the criminals, but sometimes they just switch you to a premium rate call.
Email scams (also known as phishing) are unexpected messages that appear to come from a trusted organisation. If you receive an email you believe is suspicious, don't click on any links or open any attachments.
You should also watch out for fake text messages that look like they've come from your bank (sometimes called smishing). Delete any suspicious text messages and contact the organisation using a phone number you know is genuine.
If you think you've shared your first direct security details, please call us on 03 456 100 100. If it was a phone call, make sure you've fully disconnected first. You can send any scam emails or screenshots of suspicious text messages to us at phishing@hsbc.com.
January 2021: Vaccine scam
Throughout the pandemic, some fraudsters have been trying to exploit coronavirus as an opportunity for financial crime.
Now that vaccines are available, they're sending bogus messages claiming to offer the chance to apply for a coronavirus jab.
These are usually text messages which ask you to confirm your personal and financial details through a website given in a link. Some fraudsters are also trying the same scam with automated phone calls.
The NHS will never ask you to press a button on your keypad or send a text asking you to confirm you want the vaccine. It will also never ask for payment or for your bank details.
Do not visit any of these sites or give any information. Please continue to follow official government advice.
If you've fallen victim to this scam, contact us using the number on the back of your card.
You may also find useful
Common types of fraud and scams
When it comes to emails, texts, phone calls, shopping, dating or investments, it’s not always easy to spot the scammers.
Your information
Occasionally we'll ask you for documents to confirm you are who you say you are. Just in case.
Confirming online payments
When you use your debit or credit card online, we may ask you to verify it’s you who’s using the card.