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I met this guy. I've been talking to him for two weeks. I'm too shy to meet him. He wants to pay my credit card. To pay it he needs a full picture of both sides on my credit card. Do I give it to him or is it a scam?

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  • 23
    Any question of the form "...sugar daddy, ..., scam or not?", the answer is yes.
    – The Photon
    Jan 21, 2020 at 21:49
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    Out of genuine curiosity/bafflement, what do you think the "sugar" part of "sugar daddy" means?
    – ceejayoz
    Jan 21, 2020 at 21:59
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    This is not even an elaborate scam. No transfer of money and then send some back and the original bounces a month later. This is just outright give me everything I need to use your card to make online purchases. It’s like the scammers are not even putting in effort.
    – Damila
    Jan 22, 2020 at 2:02
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    @jamesqf: I pay most of my cards by 'bill pay' (ACH credit) from my bank, and it requires only choosing the recipient (here the issuing bank) from a list and entering the card number. Even without that I'm sure if I phoned the customer (dis)service number on the back of the card and told them I needed help making a payment they would find a way I could do so :-} That said, I agree this person isn't going to make any payment.
    – dave_thompson_085
    Jan 22, 2020 at 6:37
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    @Damila It's like they're not putting in effort because they don't have to, by the looks of things. Just based on the number of questions we see about this here where people consider it, I imagine there must be people who fall for this all the time.
    – JMac
    Jan 22, 2020 at 14:49

3 Answers 3

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It's a scam.

To use a credit card on-line, you typically need 4 things: the name on the account, the account number, the expiration date, and the CVV number. The first three are on the front of your card; the last is on the back.

If you send him the images, you will not see any payments on your card. You will, however, see a bunch of charges that you will be responsible for.

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    minor nitpicking: you need the card number, not the account number; also one of my cards has only the name on the front and the rest of the info on the back, so it varies based on the card/bank.
    – SamYonnou
    Jan 27, 2020 at 17:01
  • True, I'm thinking of standard credit cards, where the card number is the account number, but I think that's changing. Come to think of it, a fun prank might be to send the scammer images of a card that doesn't have any of this information (e.g., an Apple Card) physically on the card. (But seriously, OP: don't engage the scammer further. Ghost him.)
    – chepner
    Jan 27, 2020 at 17:05
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Honestly... when you want to send money to a friend, you'd use PayPal, Zelle, Venmo, Cashapp, or some other modern digital method, right?

So would he, if he really wanted to pay off your credit cards.

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He could just send you cash. This is a scam.

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  • Paper doesn't transmit very well over the Internet.
    – RonJohn
    Jan 22, 2020 at 1:30
  • I upvoted to offset a negative vote. This is not the best answer, but it is true.
    – Damila
    Jan 22, 2020 at 2:04
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    @RonJohn: Strange as it may seem, many places still have actual snail mail service :-)
    – jamesqf
    Jan 22, 2020 at 4:57
  • @jamesqf when was the last time you recommended sending cash through the mail.
    – RonJohn
    Jan 22, 2020 at 4:59
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    Jeez I didn't mean actual paper money. I meant Venmo or something.
    – Dbloom
    Jan 23, 2020 at 17:47

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