“Fake official bank number and phishing website”.

Generally, consumers trust official bank customer service hotlines starting with "95XXX". When receiving such a number, most people will lower their vigilance or even completely lose their vigilance. Generally speaking, fraudsters will use a number changer to change the phone number to the bank's official customer service hotline, and use it under the guise of "system maintenance, changing passwords", "large purchases at a certain mall" or "redeeming points for gifts". Pseudo base station technology pushes text messages with fake bank official website links to users. Once the user clicks on the phishing URL link in the text message, it is very likely to leak key information such as user name, card number, password, etc., resulting in credit card theft.

Cardholders should pay special attention to whether the website provided in the text message or phone call is consistent with the website domain name announced by the bank; many website domain names will have more letters or less letters, as well as more suffixes or prefixes. If you are unable to judge, it is recommended to call the official customer service hotline of the card issuer for confirmation and do not be deceived by false impressions.

Free gifts are not trustworthy, and be wary of "pie in the sky".

Recently, many consumers have complained that most of them have received calls from official numbers that appear to be major banks. The phone call said that if you are selected as one of the lucky users, you can get gifts such as "3D glasses" and "high value gift pack portable WIFI" from the bank's credit card center. The equipment is free, but the logistics fee and testing fee will cost more than 190 yuan. Postage A 200 yuan phone recharge card will be included. If you want it, you need to provide the delivery address and other information.

Since there are endless phone number scams at present, cardholders should keep a clear head when receiving such calls. They may as well hang up the phone and call the official number for verification in time. At the same time, users can check and identify the preferential activities, value-added services and other information of each bank through the bank's official website. They must be wary of "pie in the sky" and do not take advantage of small gains to prevent being deceived.

It is not a "good intention" to help you raise your forehead.

According to statistics, fraud on the pretext of credit card limit increase also accounts for a high proportion. Credit card experts said that if there is a call from "bank customer service" and the caller offers to help the cardholder increase their credit card limit, don't get too happy because the person on the other end of the phone is probably a scammer.

Generally, this type of so-called "bank customer service" will help cardholders increase their credit card limit based on the user's credit card consumption meeting the limit increase requirements. During the phone call, they will ask for the card number, verification code and verification code on the back. information, or ask customers to log in to the fake website provided by them and enter relevant information, thereby successfully committing fraud.

“Under any circumstances, service personnel of banks or credit card institutions will not ask customers for passwords or card numbers through phone calls or text messages. Once the other party makes such a request, it can be determined to be fraudulent information. ” said a credit card expert from Bank of Communications.

Online shopping "refund".

Online shopping has become an indispensable part of people's daily lives, and scammers have also introduced new fraud methods in this field. Scammers use consumers' real shopping information to act as customer service staff to "refund" the money, and then lure consumers into phishing websites. This is also a popular scam recently.

Consumer Ms. Yang has encountered such a scam. Ms. Yang likes online shopping, and one day she took a photo of a coat on the website. At this moment, she received a call from the "store owner" claiming that the product was out of stock and that she needed to provide her credit card number, expiration date, verification code on the back of the card and other information for a refund. Ms. Yang believed the scam and provided her credit card information. She didn't know she had fallen into a scammer's trap until she received a transaction text message from the bank. But by this time, it was too late and her credit card had been stolen.

While immersed in the convenience and speed of online shopping, cardholders are advised to be vigilant against calls from unfamiliar customer service, cloned websites, unfamiliar website links, etc., and never disclose their bank card numbers, passwords, and identities. core data such as certificates and verification codes.

Peeping at the victim’s personal information.

Some customers do not have a strong awareness of personal information protection when handling banking services, so some scammers rely on their super memory to use the victim’s credit card number, the last three digits of the signature field (CVV2), and the ID number. Write down the victim's name, name, and bank card password, then forge the victim's ID card to open online banking at the bank, and take the victim's deposits as his own.

Fraud in the name of payment.

After the scammers tried their best to find the information of some companies, they called and pretended to pay a deposit before ordering, and asked the financial staff to check it in time. A day or two later, the scammer will ask again if the payment has been received. When the financial staff responds that they have not received the payment, the scammer will provide a so-called bank phone number for the financial staff to verify. After the automatic answering call is connected, it will remind you to enter it. Account number and password. When the scammer obtains the account number and password, he will immediately forge his ID card and go to the bank to withdraw money.

Call by phone to ask for the password.

The scammer falsely claims that your credit card has been stolen and the suspect has been caught. The scammer requires the deceived person to report the card number, ID number, and last three digits to bank staff to prevent the credit card from being frozen. When you provide the relevant information to the scammer, the amount on the credit card will be stolen (for credit card fraud, you only need to know the ID number, credit card number, and the last three digits of the credit card signature field (CVV2) to make online transactions.

Pornography "Trojan", downloading player and other software.

Many curious people like pornographic websites, and when they click to watch, they will be prompted to install the player. The pre-set Trojan software will automatically download and install into the victim's mobile phone, thereby realizing the interception and control of the victim's mobile phone text messages. In this way, criminals can inadvertently steal bank verification text messages sent to the mobile phone bound to the cardholder's credit card. Brush.