Large-value credit card scams that you must know
In daily life, we can often see small advertisements of this kind, claiming to be agents of large-value credit cards, with little information, and the card can be approved in seconds. Risk, high limit. Obviously, applying for a credit card through this informal channel is basically a scam, and you can easily be exploited by criminals who pretend to be bank insiders. Now, let me sort out the large-value credit card scams for everyone~
1. Stealing credit cards in the name of applying for a card
In real life, you are very likely to You may receive a call from someone else, pretending to be able to apply for a large credit card, and then recommend you a card with a limit of 200,000, but you have to provide the credit card information you have, including credit, card expiration date and security verification code, etc. . At this time, you have to sound the alarm to yourself, but any key information related to the privacy of your own funds must not be easily leaked to others. In fact, after you provide the information to the other party, you are likely to receive a text message informing you that your credit card has been stolen and a large amount of money has been used.
2. Charging high fees for fake cards
Another situation is when you are short of cash and someone calls you and says they can apply for a large credit card on your behalf. , it will be completed within half a month. It also claims that there is no need to provide application materials, including employment certificates, personal credit reports, etc. You only need to provide your ID number and mobile phone number to apply, and it will let you see successful cases in your WeChat circle of friends. , to dispel your doubts. When you are tempted, they tell you that a handling fee of RMB 20 will be charged. If you are eager to apply for a card and transfer the money immediately, then the other party will charge a handling fee of nearly ten thousand yuan in total on the grounds of smoothing the relationship. After you wait for a few months, the other party may give you a fake credit card, and you may also find that you have been blocked by the other party.
3. Use personal information to steal credit cards
In fact, some scammers use secret methods. They first try to collect your personal information and use it with some false asset certificates. Apply for a credit card in the name of someone else, and then use the entire amount to steal the money. Or, use your identity information to apply for a loan on various loan platforms, and then fail to change the loan after the due date. The resulting overdue record will appear in your personal credit report, and the scammer has successfully avoided this risk. This situation is really unspeakably painful. I can't get a credit card myself, and I have to shoulder a lot of debt for others. What’s even more frightening is that some criminals will use your identity information to conduct illegal transactions.
Everyone needs to have common sense when applying for a credit card. The application for a credit card is determined by your personal credit and income. During the formal card application process, applicants do not need to pay any fees. Even if they need money urgently, Choose formal channels to apply for a card. In past credit card application scams, scammers took advantage of your unfamiliarity with the card application process and your desire to apply for a high-value credit card, and fabricated false information to deceive you.
Finally, I would like to remind everyone that large credit cards will only appear if you have a house and a car, and you have a fixed deposit with the bank and your credit is very high. Therefore, don’t trust others to apply for high-value credit cards. After all, banks are not philanthropists, and there is no free lunch in the world.
Are the credit card application advertisements on WeChat trustworthy? Pay attention to identification
As WeChat becomes everyone’s main communication, social networking, and payment tool, the business opportunities are also obvious. WeChat businesses are everywhere in the circle of friends, selling everything! So, are the credit card application advertisements on WeChat trustworthy? Let me talk to you today.
First of all, any advertisement with the slogan "Agency for large-amount credit cards" is not credible.
Every credit card needs to be strictly reviewed by the bank before it is issued, and the bank does not authorize any platform to issue credit cards. At most, it authorizes some intermediary platforms to provide card application platforms, such as Alipay, WeChat, and QQ. wait.
If there are similar advertisements in your WeChat circle of friends, such as "You can get a large credit card with just your ID card", then you should be wary. This is not a scam. Just cheating on the handling fee.
In addition, if you add the bank card application person's WeChat account through a referral from an acquaintance, the card application information received will be credible, but only if you can ensure that he is actually the bank card application person.
Finally, I would like to introduce you to a WeChat credit card application platform. After filling in the information and submitting it online, you only need to wait for the card to be issued. The specific application path is as follows:
Personal WeChat—My—Wallet—Credit Card Repayment—Free Credit Card Application.
The types of credit cards that can be applied for on WeChat are limited. China Merchants Bank, China Minsheng Bank, China Guangfa Bank, Industrial and Commercial Bank of China, China CITIC Bank, Shanghai Pudong Development Bank, Bank of Communications, Bank of China, Ping An Bank, Industrial Bank, and China Everbright Bank each have three types. A variety of popular cards can be applied for.
In short, the advertisements for applying for credit cards on WeChat are not trustworthy and you need to identify them yourself. Applying for a credit card is definitely a scam, so don’t let them deceive you.
The typical credit card (debit card) methods are all here, so be careful!
Credit cards (debit cards) are a good thing. After all, one-third of your mood is determined by the day and seven-tenth by shopping. Scammers are not a good thing. There are many tricks to defraud you of all your money! Road
As credit cards (debit cards) become increasingly popular in life, fraudsters have found opportunities. They take advantage of card applicants' lack of financial knowledge and eagerness to apply for large credit cards (debit cards). ) mentality, defrauding personal identity information and money, causing considerable losses to friends.
In order to help you reduce losses, we have specially compiled several typical credit card (debit card) methods. You should read them carefully!
Agency credit card (debit card) scam
Credit card (debit card) is a financial product issued by a bank and can only be used by the person himself through the bank or through genuine channels authorized by the bank. handle. Because there are certain thresholds for applying for a credit card (debit card), those users with poor credit are basically rejected immediately. Therefore, there are many institutions or individuals on the market that are responsible for issuing credit cards (debit cards). The other parties use clever words and tricks to deceive the personal identity information and card application fees of the card holders, and then disappear immediately.
Looking for someone to apply for a credit card (debit card) on my behalf, I almost lost 10,000 yuan
Because Xiao Wu needed money urgently for something, he wanted to apply for a large credit card (debit card) ), the target amount is not less than 100,000 yuan. But he has no real job, no real estate, and no car. If he applies for a credit card (debit card) under these conditions, 99% of banks will probably reject him. He searched for information on the Internet to see if anyone provided credit card (debit card) agency services.
Soon someone told him that as long as he provided his personal ID card and an information fee of 500 yuan, he could help him apply for a credit card with a limit of 100,000 yuan. Xiao Wu felt that 500 yuan was not much, so he quickly followed the other party's request. In less than a week, Xiao Wu received a credit card (debit card) from the other party. Xiao Wu followed the card opening instructions, but could not activate the credit card (debit card).
He contacted the other party again, but the other party said that the 500 yuan was only the data packaging fee. If he wanted to activate the credit card (debit card) with a limit of 100,000 yuan, he needed to pay an additional 6 yuan deposit. For Xiao Wu who was in urgent need of money, 6,000 yuan might be his income for two or three months. Xiao Wu gave up after thinking about it for a long time. When I talked about it later, I realized it was a scam. Fortunately, I only lost 500 yuan. If I had truly believed the other party, I would have lost several thousand yuan, and the credit card worth 100,000 yuan was simply a fake card.
Credit card (debit card) limit increase scam
Many people need to apply for a large credit card (credit card) because they have large consumption expenditures. Card) has insufficient credit limit, and it is difficult and slow for banks to increase the credit limit, so they find an agency to increase the credit limit. The other party claimed that increasing the limit of a credit card (debit card) requires a credit card (debit card) and password. This is simply nonsense. The other party can overdraft consumption after obtaining the credit card (debit card) and password.
When handling a credit card (debit card) limit increase business, you should first consult the card-issuing bank to verify whether you meet the conditions. Do not give your credit card (debit card) and password to others at will.
Form 1: Spend first, and then refund after successfully increasing the limit
Form 2: Pay the production fee first to increase the limit
Form 3: Use "increase limit" Software” to implement fraudulent use
Don’t believe the customer service who said that credit card (debit card) can increase the credit limit
Xiao Wu does business and needs it at any time. That day, he received a message showing that it was from a certain bank. The text message sent by the official customer service number said that Xiao Wu's credit card (debit card) limit could be increased to 100,000 yuan, and he could directly call the phone number in the text message to handle it. Seeing that the text message was from the bank's "customer service" number, Xiao Wu had no doubts at all, and immediately called the phone number in the text message to ask for an increase in the credit limit.
On the phone, I told Xiao Wu that if he wanted to increase his credit limit, he needed to pay off the balance on his previous credit card (debit card) in full, and he needed to bind a savings card to make automatic repayments.
Xiao Wu usually uses Alipay or WeChat for repayment. There is no binding of a savings card for automatic repayment, so he told the other party that he did not know how to operate it. The other party said that he could do it for him. Xiao Wu provided a savings card and passed Use mobile banking to transfer 9,200 yuan from your other savings cards to this card.
Soon, Xiao Wu received a text message verification code. After telling the other party the verification code, Xiao Wu's mobile phone immediately received two more consumption text messages. His card was consumed for 9,200 yuan. He immediately realized that he had been deceived and called again, but he could no longer get through.
Do not click on links or QR codes at will
Xiao Zheng’s mother was hospitalized and needed money urgently. In the bathroom of the hospital, she saw an advertisement that could help increase the limit of her credit card (debit card). , so he called the phone number according to the advertisement. The scammer asked Xiao Zheng to send him the name and number of the credit card (debit card). After a while, the scammer told Xiao Zheng that the comprehensive score of the credit card (debit card) was insufficient and could not be improved. Quota. But the difference is only a few points. You can increase your score by using virtual turnover to increase your quota.
The scammer told Xiao Zheng that he would send him a QR code and ask Xiao Zheng to scan the code to pay, and the limit would exceed the available limit of the current credit card (debit card), and the deduction would fail, and there would be no There is a loss of money, but it will increase Xiao Zheng’s virtual turnover, so the limit can be increased. Xiao Zheng thought that he did not have that much money in his credit card (debit card) anyway, so the payment would not be successful, so he scanned the QR code sent by the scammer, and the payment was successful. This is where scammers take advantage of the over-limit feature of credit cards (debit cards).
Do not apply for a credit card (debit card) at an agency that is not genuine
Xiao Zhou is a female worker working in a factory. I saw someone posting an advertisement in the WeChat group this day. It was said that it could help increase the limit of credit cards (debit cards), and then Xiao Zhou added that person's WeChat account. After chatting, the scammer promised Xiao Zhou that he would use the internal channels of the bank, except for credit cards (debit cards). , and also needed to take photos of the front and back of the ID card and send it to him. Xiao Zhou, who was in urgent need of money, believed the other party's words and immediately sent his credit card (debit card) and personal identity information to the other party.
After a period of time, Xiao Zhou found that the credit card limit had not been increased. When he urged him, the scammer kept saying that the limit was being approved and asked Xiao Zhou to wait for a while. But not long after, Xiao Zhou received a repayment text message from another bank, and then he discovered that the credit card (debit card) limit had not been increased. Instead, the scammer used his ID card to apply for a credit card (debit card), and Wipe away all the money on the card.
Do not tell others the verification code of your credit card (debit card)
Xiao Wang saw someone posting an advertisement in his circle of friends saying that he could increase the limit of his credit card (debit card). No fee if unsuccessful. So Xiao Wang contacted that person, and the person asked Xiao Wang to take a photo of the front and back of his credit card (debit card) and send it to him. Then he deceived Xiao Wang into using the internal channel, and he only needed to send the verification code he received. That's all he needs.
After a while, Xiao Wang received the text message verification code and sent it to the other party. Then he received a text message about the consumption of his credit card (debit card). Xiao Wang then realized that he had been cheated. . This is how scammers use the CVV code on the back of a credit card (debit card), which is the last three digits on the back of a credit card (debit card). On many overseas shopping websites, transactions can be run without a password.
There are many similar scams
Friends, you should keep your eyes open
Don’t be blinded by desire
About agency This concludes the introduction to the case analysis of credit card scams and agency credit card scams. Have you found the information you need?