[pbackx]

I think this will be full of similar experiences: Some time ago my wife's cards suddenly got all kinds of charges, clearly not ours. So we call the bank and while they put the blame on us, among other things they said the bank never ever would contact us by SMS and we may have clicked on dodgy links in one of those messages.

Eventually they decide we should replace all our cards. 5 minutes later we get an SMS asking us to call an unknown number to set our PIN code for the new card. It contained at least 5 warning signs as in the author's article.

We call them back asking them what that SMS is about and the only explanation is "That is the good kind of SMS, you can trust it"

(Eventually we did get all stolen money back, but it took a while. We never got a plausible explanation of what may have happened and what we could do to prevent it in the future)