"05 The scammer on the phone to your bank now has control of your account." It's not quite as bad as that as I understood the original description. The scammer may use the phone button click to get past something, but it may be purely to give the victim confidence for the next step... which is they need to persuade you to tell them your full card number (not just last 4 digits) and get you to authorise a transfer to another account. So what I mean is, there's another step in the scam, which offers another opportunity for the victim to spot something's wrong however.... I'm not saying I'm far too clever and sceptical. If it were me (prior to hearing about this) I would have my guard down by the time it gets to that last step. It's surprising how many smartasses there are on the reddit group reckoning they wouldn't have fallen for this, and offering no sympathy. Seems like a lack of empathy and imagination, or just arrogance.