"Scam credit card transactions using the description apple com bill Sydney [...]Has anyone come across this???"
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No. Not directly from that prospect, but I get scam text messages and scam eMails often enough, and report them and their contents from within. So, if you have any relevant info, report it to all those applicable, from law enforcement, to Apple, and others. In doing so, you are helping everyone out there throughout the world, as it will be kept in a database, and overviewed, hopefully leading to guilt.
A. Reporting a Scam Text Message:
Take screenshots of the thread, and then forward them to [email protected]. Use my User Tip: Using the Photos App to Report Scams: - User Tip
B. Reporting a Scam eMail:
Obtain its contents (through screenshots and copy & paste),and send it out to Apple and others. Use my User Tip: How AND Why to Provide Headers when Reporting Scam eMails: - User Tip