No need.

Banks and other financial institutions will not ask for the verification code received by the customer's mobile phone. If you encounter a so-called official customer service staff asking for the verification code from the mobile phone owner, you can be directly identified as a fraudster. Do not disclose personal credit card number, password and other information to strangers at will. The SMS verification code is the last line of defense for the security of funds in the bank card, and it cannot be leaked easily.

Not all text messages can be sent on the bank’s official SMS service platform. Certain rules must be followed and strict approval must be obtained. Credit card telemarketing text messages often fail to meet the triggering conditions for official push text messages. In addition, due to the cumbersome application process within banks and long approval times, bank credit card, consumer finance and other business departments generally do not use official customer service marketing.

These text messages are a form of bank telemarketing and do not belong to the bank’s official release channels. Behind this type of text messages are marketing actions actively initiated by bank credit card centers and other related business sectors. The purpose of large-scale mass marketing text messages is to divert a certain proportion of customers to the official credit card application webpage and attract more people to apply for bank cards.

Extended information:

The Jiangsu Provincial Anti-Fraud Center reminds the general public that when receiving a text message similar to "Credit card frozen", they should check with the bank's official customer service as soon as possible, or go to a nearby bank counter for confirmation. Never contact the phone number given in the text message directly. .

Do not click on various links in text messages at will, because Trojan viruses may be hidden in them. If you accidentally click on a link, the interface for entering your card number and password will appear, and do not enter personal information.

The relevant person in charge of the Jiangsu Provincial Anti-Fraud Center said that in the credit card freezing scam, the "freezing" text messages received by the victim are all false information, and the scammer's ultimate goal is to defraud the victim's bank card information.

Generally speaking, in this type of scam, the scammer first sends false information that "credit card overdue repayment has been frozen" through fake base stations and other methods. Then if the victim calls the "unfreeze" number reserved in the text message, , they used the pretext of unfreezing to obtain the victim's credit card number, password, and verification code. Once this information is obtained, the scammer can easily swipe the victim's bank card.

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