Bank of Ningbo sent me a text message to raise my credit limit, which may be a fake.

The quotation increase text message may not necessarily result in a quota increase and may be fake.

It is certainly a good thing to increase your limit, but if it is not a text message from the bank to increase your limit, it may cause you huge losses. There have been many cases in the past, and I hope everyone can learn from it.

1. When I was asked to enter a verification code to increase my credit limit, I was defrauded of thousands of dollars

A similar case has happened before. A user was worried that his credit card limit was not enough. After seeing After sending the credit increase text message, he immediately called the so-called "bank phone number" in the limit increase message. The other party asked for a SMS verification code. After the user provided it, his credit card was stolen and worth more than a thousand yuan.

In fact, this fraud case is very simple. The verification code that the user is asked to enter is not the so-called verification code for increasing the balance. It is just the verification code bound to Alipay and WeChat Pay. After binding, you can swipe your credit card. , no password or verification code is required.

2. Don’t click on the link in the limit increase text message casually

Many banks do not have a link in the limit increase text message, but some banks do. Some users have received text messages for raising their balance, prompting them to click on a link to raise their balance, or to make a phone call to raise their balance. This may be a trap.

Because the bank will directly raise the limit and send a notification text message after the limit is raised, without allowing you to perform any application operations. The fake text message will take you to a phishing website after clicking on it. If you fill in important credit card information, your credit card may be stolen.