Last month, a Mr. Li in Shenyang, China, received a text from his banks customer service number, notifying him that his credit card had accumulated reward points and telling him how to cash them in. When he followed the link and logged in, the site went dead. An hour later, he noticed more than $650 missing from his account. Only then did he realize hed been scammed. The text had come from his banks number, but it didnt come from his bank.