With the continuous upgrading of payment methods

Everyone has at least one or more bank cards.

What follows is that

criminals' online fraud methods are more and more diverse.

we need to constantly improve our understanding of financial security.

in order to resist the unavoidable fraud

the following four forms of fraud need to be kept in mind!

overdue credit card fraud

in January p>223, Mr. Wang received a short message, which read as follows:

Mr. Wang called back in the short message and told him his mobile phone number, ID number, bank card information, SMS verification code, etc. According to the tips of fraudsters. Then Mr. Wang received a credit card consumption reminder message, and realized that he had been cheated.

fraud analysis:

the fraudster induced the victim to operate step by step on the grounds that he would be blacklisted if he failed to repay the loan on time, and finally took away the amount in the victim's bank account.

security reminder:

if your mobile phone receives a text message or phone call related to an overdue account, be sure to carefully identify whether the content of the text message or phone call is true. You can log in to the bank official website or the official app to check whether the account is overdue or call the bank customer service phone immediately for verification.

repayment of credit card fraud

Mr. Chen owed 3, yuan on his credit card and was unable to repay it. He saw on the internet that someone said that he could return the credit card, and he only had to pay the handling fee. Mr. Wang immediately contacted the other party, but was paid more than 75 yuan by the other party on the grounds of paying the handling fee, and then he could not be contacted.

fraud analysis:

credit card repayment is risky and can easily become the target of fraud. Not only did he not pay back, but he was cheated. Therefore, credit card holders should spend rationally, avoid excessive overdraft, and don't believe that pies will fall in the sky.

Safety reminder:

If informal repayment is used, the payer's name is inconsistent with the cardholder's name, which is obviously a credit card that someone else helped to repay. In the long run, banks will suspect that cardholders have poor repayment ability and put cardholders on the list of high-risk customers. Therefore, cardholders still need to use credit cards rationally and choose formal repayment channels.

Dealing with online loan fraud

Fraud analysis:

Safety reminder:

Increase credit card limit fraud

Ms. Li received a short message from a strange number (beginning with 16), saying that she could unconditionally increase the credit card limit with a related link. Ms. Li then clicked on the link to enter a website that is highly similar to Bank official website, and entered her credit card number, ID number, phone number and verification code according to the prompt. After that, more than 8 yuan in her credit card was deducted. Ms. Li realized that she had been cheated and called the police.

Fraud analysis:

The fraudster makes the deceived person click on the illegal link to obtain Ms. Li's personal identity information, contact information and account information, and finally sweeps away the balance in Ms. Li's card to attract the deceived person.

safety reminder:

warm reminder

1. protect personal information: protect personal identity information and account information, and don't provide strangers with important information such as ID number and home address when it is unnecessary.

2. Don't trust others: Don't trust phone calls and text messages of unknown origin, and don't trust phone calls or text messages of unknown origin easily, so as not to further trap criminals.

4. Do not disclose passwords: set complex passwords for bank cards, online banking and mobile banking, and do not disclose or forward dynamic passwords in the form of SMS verification code to anyone.

5. Don't overdraw: Credit card holders should spend rationally, do what they can, avoid overdrawing, and don't believe that pies will fall from the sky.

questions and answers related to the optimization of self-regulating police network;