The occurrence of credit card fraud usually captures a certain psychology of cardholders. For example, when cardholders are eager to increase their credit limit, criminals will design corresponding traps, and the parties will not know it. Feeling trapped.

There are many such cases. Although many people know the tricks involved, there are always people who are obsessed with it and want to see a real case.

Real case

On June 23, 2019, Cheng from Gushao Town called the police and said: The mobile phone received a text message from 10693834****, which showed that the credit card limit can be increased if the credit card record is good , Cheng was intending to increase the limit, so he followed the other party's prompts, entered the website provided by the other party, and filled in his personal name, ID card, card number, password, and verification code, etc.

Subsequently, after receiving bank card consumption information on his mobile phone, Cheng called CCB customer service for consultation. The bank staff informed him that the credit card had been stolen, and Cheng learned that he had been defrauded of 9,800 yuan.

Case Analysis

This type of crime mainly targets credit cards that are in urgent need of money, but have low credit limits and slow disbursements at banks. Criminals use websites, text messages, emails, Moments, etc. , claiming to be able to apply for high-value credit cards, get loans quickly and other reasons to lure victims into taking the bait, and then charge various fees to deceive victims into transferring money to commit telecommunications fraud.

Common types of credit card fraud

1. Overdue credit card fraud

The scammer calls the victim and falsely claims that the credit card in the victim’s name is overdue to intimidate the victim. . On the pretext of eliminating the victim's bad credit report or requiring the victim to cooperate with the public security agency's investigation, they defrauded the victim's personal information, credit card number, password, etc., and ultimately defrauded the victim of money.

2. Agency for large-value credit cards

Among credit cards, the credit limit is most easily used as a bait. In addition to limit-raising fraud, it is agency for large-value credit card fraud.

Scammers publish advertisements through various channels that they can apply for large credit cards, such as posting psoriasis, group text messages, instant messaging software, etc., claiming that they can apply for large credit cards worth RMB 100,000 to RMB 500,000, regardless of black and white customers.

The trick is that as long as someone wants to apply for a card, the scammer will ask you to pay money. For example, you need to transfer money to a designated debit card to make money for the customer. Or a deposit is required. After transferring the money, you will find that you have been unable to contact the other party, causing you to lose a lot of money in vain.

3. Credit card limit increase fraud

During holidays, the frequency of credit card consumption increases, and the demand for amount also increases. Banks will invite cardholders to increase their limit from time to time, and some criminals They will take advantage of this opportunity to commit fraud.

For example, if someone claims to be a bank customer service person, or pretends to be a bank and sends a text message, the other party will already know some of the cardholder’s information in advance, so as to dispel the cardholder’s doubts, and at the same time make a request to increase the limit, thereby inducing the cardholder to People provide more sensitive information to commit fraud.

Remind everyone, if you receive a text message saying that your credit limit has been increased, you can check whether your credit limit has been increased by opening the credit card app. Don’t believe anything else.

The credit card limit will not be raised more than once a year, and it may not be raised once a year. The bank will raise the limit of your credit card based entirely on personal information records, and then automatically raise the limit for you. Yes, if you want to apply for a limit increase, your application will usually not be approved, so if you want to increase your limit, you still have to use more credit cards.

How to avoid being deceived? First of all, we must do the following:

1. Choose formal channels for applying for credit cards, such as going to the bank’s official website, offline branches, and bank cooperation Formal third-party platforms, etc.

2. Phone calls and text messages related to credit cards should be carefully screened, and the authenticity can be verified through mobile banking, online banking, bank customer service phone numbers, etc.; when the screen is unclear or the amount involved is large, you must go to Confirm in person at the bank counter to prevent property damage.

3. If you are accidentally cheated, please call 110 as soon as possible.