With the popularity of credit card consumption, many citizens have begun to enjoy the consumption process of not only being able to spend ahead of their overdraft limit, but also redeeming points for gifts. As the Spring Festival approaches, consumers use credit cards to shop more, and many cardholders generate a lot of points in the process of swiping their cards. As credit card points redemption reaches its peak, some criminals begin to set up scams under the guise of points redemption.
Fraud on the pretext of redeeming credit card points
Recently, Mr. Zhou, a citizen, encountered a scam of redeeming points. 10,000 yuan in his credit card was defrauded by criminals. It is understood that Mr. Zhou recently received a text message reminder from the number 010-955××: Your credit card points are full. Please log in to the XX Bank mobile website and follow the prompts on the webpage to redeem 1,000 yuan in cash. The text message also reminded, "If you do not redeem before December 31, the points will be cleared."
Mr. Liu said that he had received similar text messages before, but he was not too concerned about credit card points activities. , "I didn't pay much attention to these text messages. I recently saw news about criminals using points to commit fraud, and the content of the text messages was similar to what I received. That's when I realized it was a scam. Fortunately, I didn't pay too much attention to this text message at the time, otherwise, I was deceived.”
It is understood that some citizens have recently received phone calls from scammers pretending to be bank staff. The scammers said on the phone that their credit card points will be reset when they expire, and suggested that cardholders redeem gifts. , cardholders need to provide their credit card number, validity period and three-digit password on the back of the card. After citizens provide this information, it is too late to discover that they have been deceived.
Do not reveal the three-digit security code on the back of the card
Criminals obtain citizens’ personal information through text messages or phone calls on the pretext that credit card points will be reset at the end of the year and need to be redeemed for gifts. To achieve the purpose of defrauding money. Staff at the Xianyang Branch of ICBC reminded citizens, “Credit card and card information are very important, and easy disclosure may lead to card theft. If a bank staff calls or sends a text message saying that a customer with credit card points has recently redeemed a gift, be careful not to reveal your personal information. For credit card information, it is best to call the bank's customer service number to further confirm the information. "
Currently, some websites only need to provide the credit card number, expiration date, cardholder's name and signature on the back of the card when paying with a credit card." The payment can be completed with the three-digit security code. During the entire payment process, the cardholder does not need to enter the credit card transaction password. In other words, as long as you have the information on the card, you can make purchases without any physical card or password. The card number, validity period and security code are all reflected on the credit card. However, if the cardholder does not pay attention to confidentiality, it may Information was stolen and fraudulently used by criminals. It is worth noting that bank personnel have no right to ask cardholders for their card numbers and card information. Generally speaking, there will be a voice prompt for the cardholder to enter it themselves, especially the last three-digit security code on the back of the card, which must not be leaked.
Most banks will not compensate you if you leak information
The reporter saw on the official websites of many banks that most bank websites have special credit card points malls, and most of the credit card points can be redeemed. The value of the goods is concentrated below one thousand yuan. In terms of categories, there is not much difference between banks, mainly focusing on household appliances, digital products, household products, car accessories and outdoor products, books and magazines, etc.
“Almost all bank credit cards can be redeemed for gifts online.” A staff member of the China Construction Bank Credit Card Center told a reporter from the Chinese Business Daily that different banks have different regulations regarding the validity period of credit card points. Currently, Industrial and Commercial Bank of China and China Construction Bank The credit card points of Bank of China, Agricultural Bank of China, etc. are permanently valid; while the credit card points of Bank of China, Bank of Communications, etc. are valid for a certain period of time. Staff at the China Construction Bank Credit Card Center suggest that if you receive a phone message saying that your points will be reset and you need to redeem gifts, it is best to confirm whether your bank card points have an expiration date and never disclose your credit card information. According to industry insiders, since the cardholder himself leaked the relevant information, banks generally will not pay compensation. If this happens, the customer can only bear the loss.
How to check credit card points
1. Check on the bill. Each bill will show the current points and the points that are about to expire.
2. Call the customer service number of the bank to which the credit card belongs.
3. Log in to the official website of the bank where the credit card is located to check.
Know yourself and your enemy and play with the rules of credit card points
Credit card points are of great concern to many cardholders. If you want to take advantage of credit card points, you must first know yourself and your enemies. Only by fully understanding the points policies launched by your credit card and bank, current promotions, and your own shopping needs can you maximize your consumption points potential. How to play with credit card points easily? Ms. Dong, a staff member of the ICBC Credit Card Center, summarized some experiences to help citizens play with the rules of credit card points.
First of all, you must understand your own consumer needs. In normal times, some users spend a lot of money on dinner parties and entertainment, so they can apply for two credit cards from different banks. Now many citizens will choose the place where the credit card contract customers are to spend money. Firstly, they can get more discounts, and secondly, they can enjoy more. times points. Card owners who shop frequently should try to choose co-branded cards with various shopping malls or brands. Merchant VIP cards and credit cards are combined into one, and often both VIP cards and credit cards can earn points, killing two birds with one stone. Of course, you can also equip some credit cards with special purposes for different needs, just be careful not to have too many to avoid causing "bad debts."
Secondly, master the dynamics of credit cards and understand your credit card situation, including basic information such as limit, billing date, and repayment date. Don’t fail to use credit cards when you want to, and understand the characteristics of credit cards. For card owners who have several credit cards in their hands, they should always compare the points and discounts of each card. The credit card discounts of various banks are not the same, so comprehensively compare the preferential policies.
Finally, you must fully understand the bank’s credit card point promotions. Generally speaking, banks will proactively send text messages to remind card owners when they launch credit card promotions. Therefore, do not rush to receive such information. If you delete it, it is better to file it in time. If necessary, you can call customer service for details. It is particularly critical to plan your own consumption and arrange the time and amount of credit card swiping according to different preferential activities. For example, many banks will offer discounts based on how many transactions you make during a certain period of time. At this time, on the one hand, we must find ways to obtain high points, and on the other hand, we must avoid buying a lot of unnecessary things just for the sake of points, which is not worth the gain.