I just realized that's an excellent opportunity for "reverse phishing:" you can mangle the first 4 digits of your card [or make one up wholesale] and if they sa

I just realized that's an excellent opportunity for "reverse phishing:" you can mangle the first 4 digits of your card [or make one up wholesale] and if they say "thank you, sir" you know they are fake. The real bank will spot that mistake instantly since that prefix is per financial institution