Do I need to pay first to apply for a credit card? Revealing the Secrets of Credit Card Fraud

With the development of the Internet, we can make purchases, book tickets and other purchases without leaving home. At the same time, the use of credit cards has also spread to all aspects of life. It should be noted that there are endless fraud traps created by scammers using credit cards, and many people have been victims. Mr. Liu, a Shanghai citizen, unfortunately encountered such credit card fraud.

Recently, Mr. Liu’s mobile phone received a text message to apply for a credit card online. At this time, Mr. Liu happened to need to apply for a credit card, so he filled in his personal information according to the steps prompted by the text message.

Soon, Mr. Liu received a call from a credit card processing center. The other party said that the credit card applied for by Mr. Liu was already being processed, but if he wanted to apply for it, he would have to pay another 300 yuan. Card fees.

At the same time, Mr. Liu's mobile phone received another text message prompting operation. Mr. Liu believed the other party and transferred 300 yuan to the designated bank account according to the other party's request.

Later, Mr. Liu successfully received the credit card, but Mr. Liu received many calls from the so-called staff, who requested Mr. Liu for reasons such as "annual fee" and "proof of repayment ability". Transfer payment.

In order to dispel Mr. Liu's concerns, the other party promised that the fees would eventually be returned to Mr. Liu's credit card. Mr. Liu believed the other party again and transferred 9,400 yuan to the other party again.

From applying for a credit card to getting it, Mr. Liu spent nearly 10,000 yuan without doing anything. The money promised by the scammer to be returned to Mr. Liu's credit card has yet to be credited. Only then did Mr. Liu realize something was fishy.

Mr. Liu took his credit card to the bank for consultation. The bank confirmed that the card was forged by criminals. Mr. Liu finally realized that he had been fooled and immediately called the police.

Scammers’ deception techniques are constantly escalating, and it is very easy for people who are not aware of fraud prevention to fall into the other party’s trap. In summary, credit card fraud is mostly divided into the following categories:

First of all, the more common is large-amount credit card fraud.

Scammers spread advertisements by sending text messages and posting advertisements that they can apply for large credit cards on their behalf, and promise to have a very high credit card acceptance rate. When a victim is unfortunate enough to be deceived, the scammer will use various reasons to ask for payment from the victim. money.

Secondly, a type of scam worth noting is the overdue credit card scam.

Scammers obtain the victim’s bank card number, mobile phone number and other personal information through illegal channels, and notify the victim through text messages or phone calls that the credit card under his name is overdue and will face very serious consequences. On the pretext of helping the victim eliminate bad credit records, the scammer requires the victim to provide bank card password and other information, which ultimately leads to the victim losing money.

In addition, credit card limit fraud has also caused property losses to many victims.

The scammer collects the victim’s personal information by illegal means, claims to be a bank employee, and illegally asks for the victim’s bank card number, password, verification code and other information on the pretext of increasing the credit limit, causing victimization. Someone's credit card was fraudulently used.

In the face of these pervasive criminals, we must improve our awareness of fraud prevention in order to protect ourselves from infringement.

First of all, when we apply for a credit card, we must apply through formal channels and do not blindly believe in advertisements for credit card agencies.

Secondly, when using the Internet, pay attention to protecting your personal information and do not easily reveal your ID number, bank card number, etc.

In addition, when receiving a phone call or text message from the bank, be vigilant and pay attention to distinguish the authenticity from the fake. If you cannot confirm it at the time, you can go to the bank branch to verify it in person.

Finally, if you are really unfortunate enough to be deceived, you must call the police as soon as possible and pay attention to preserving evidence.