Would someone from Apple ever call me to discuss an issue with my card? Or is this a scam?
Would someone saying they are from Apple call me about an issue with my card?
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Apple does not make such calls.
All such calls are scams from criminals attempting to steal your personal and financial information. The callers will often use number spoofing to pretend they are calling from a legitimate business. The correct course of action is to hang up on them, repeatedly if needed.
Avoid phishing emails, fake 'virus' alerts, phony support calls, and other scams - Apple Support