Smishing is the term used for SMS phishing, where criminals steal money or identity from people as the result of a response to a text message. Fraudsters target victims via text message, purporting to be their credit card provider, claiming that a transaction has been approved on their credit card. The message requests confirmation from the victim with a Y for yes or N for no. If the victim replies to this message it confirms that the phone is an active number. Further contact by the fraudster requests the credit card details, CVV number ( the last three digits on the back of your bank card) and other personal details.  NEVER REPLY TO AN UNSOLICITED TEXT MESSAGE OF THIS NATURE. IF YOU WANT TO CHECK WHETHER THE TEXT MESSAGE IS GENUINE PLEASE CONTACT YOUR BANK/CREDIT CARD PROVIDER DIRECTLY USING A PHONE NUMBER YOU KNOW IS CORRECT