Can I get scammed? Sure, but in this specific case, that Wells Fargo scam wouldn’t work on me because I know firsthand that Wells Fargo fraud prevention is terrible. Case in point, a few years back I had in-store mall transactions happening 400 miles and 2600 miles away from my current location within an hour span of my lunch transaction. No fraud alert. It even took me weeks to contest these transactions. This is abysmal compared to virtually every other credit card provider.