Credit card theft incidents occur from time to time, and scammers set up sophisticated scams that are difficult to detect. In order to prevent everyone from being deceived, I have specially compiled some common deception methods used by scammers. Let’s take a look below to see if you have ever been deceived by these scams.

1. "Deduction of credit card annual fees" fraudulent text messages

Generally occur at the end of the year, and criminals in many places have committed criminal activities of telecommunications fraud on the pretext of "deduction of credit card annual fees" . Criminals send text messages to cardholders, lying that annual fees will be deducted from their credit cards at the end of the year, and provide a contact consultation number to trick cardholders into making calls. Once the cardholder makes a call, the criminals will pretend to be the bank or the police and do everything possible to induce the cardholder to provide the cardholder's credit card number, password, expiration date, security code, etc. With this information, they can easily overdraft maliciously the credit cards of cardholders.

Let me remind you: the annual fee is not paid at the end of the year, but is calculated starting from the following card month. You can refer to the validity period on the card to see which month the validity period is. Generally speaking, the annual fee is paid in that month.

2. "95588" scam text message, maybe it is not ICBC but a scammer

If you receive a text message from 95588, cardholders should be vigilant. Maybe it is not from ICBC but from ICBC. It’s a trap set by scammers for credit card holders through account-changing software! Some cardholders mistakenly believed that the text message was from ICBC and followed the instructions to click on the link in the text message - a "phishing website". As a result, their credit card was maliciously overdrawn.

Let me remind you: 95588 here is just an example. In reality, any bank phone number may be impersonated. Banks will not require cardholders to enter personal information such as passwords due to system upgrades, transformations, etc., nor will they ask you to conduct simulated transactions. Once such information is received, you must contact the bank promptly for confirmation.

3. Fraudulent advertisements to help increase the limit

Many cardholders are worried that their credit card limit is not high. When they see advertisements online or on the street that help to increase the limit, they contact them. Conduct several online virtual transactions as required. Little do they know that during the transaction process, the credit card number, expiration date, password, security code and other information have been learned by criminals.

My comment: Regarding this new type of fraud, it is recommended that cardholders do not leave their credit card number, mobile phone number, and 3-digit number on the back (CVV2 authorization code) on any website. The bank provides Well, the cardholder does not need to enter any information. Once you encounter such a situation where you are required to reserve information, please be careful and be careful not to be deceived.

4. Free WIFI may be a fraud trap

Free WIFI can be found in many places now. If you log into credit card online banking after linking to this WIFI, you may be maliciously overdrawn. It is understood that this kind of wireless network is set up by hackers and appears specifically in shopping malls and other shopping places. If cardholders log in to their mobile credit cards in this network environment, hackers can easily steal their credit card account numbers and passwords.

I remind you: You must log in to credit card online banking in a safe environment. Don’t use free WIFI casually. Don’t be greedy for temporary convenience and randomly access free WIFI from unknown sources.

5. Ticket refunds, changes, and changes have also become a new trick for fraud

"Your flight is delayed and your ticket needs to be changed. Please call 400... in time." If you receive something like this Cardholders should pay attention to the information, and do not easily reveal their credit card number, expiration date, verification code and other information, because this is likely to be a fraudulent text message.

It is understood that the fraud gang used hacking technology to sneak into the civil aviation system to obtain the booking information, and then sent the information to commit fraud. After the victim successfully repurchases the ticket, they will design a dialog box to pop up to fill in the verification code. In fact, the verification code has been modified by them to a transfer function. Once the victim completes the verification code and then enters the online banking password, the victim’s bank will All the money on the card goes to their card.

I remind you: protect your credit card information and do not tell others your card information under any circumstances, including credit card number, expiration date, security code (3 digits on the back of the card), etc.

6. There is a problem with online shopping and express delivery. Fake police ask you to report information

The popular lifestyle of online shopping has allowed criminals to smell "business opportunities." If the courier company calls to say that the credit card holder has a problem with the courier, it will be investigated. Then soon, a call came from someone claiming to be the police. The fake police officer tells the victim, "You must confirm whether your fund transactions are normal and follow my instructions." Cardholders must not be fooled, this is definitely a scam.

I would like to remind you: Postal service, banks, telecommunications and public security agencies all have their own telephone platforms. Each is a different system and it is impossible to transfer directly to each other. Cardholders can call local 110 for consultation or call the police.

7. Most of the 400 calls are scams

Generally speaking, the "400" hotline number of regular large-scale enterprises is only used as a callee and will not be used as a caller. Government agencies will not use "400" numbers as service hotlines, so if a cardholder sees a number starting with "400" and calls over 90, it is either advertising or fraud!

I would like to remind cardholders to keep in mind the Five Don’ts to Prevent Fraud: 1. Do not trust blindly; 2. Ignore; 3. Do not disclose personal information; 4. Do not transfer money; 5. Do not make your own decisions.