Credit cards (debit cards) are a good thing. After all, one-third of your mood is determined by the day and seven-tenth by shopping. Scammers are not a good thing. There are many tricks to defraud you of all your money!
As credit cards (debit cards) become more and more popular in life, scammers have also found opportunities. They take advantage of card applicants' lack of financial knowledge and eagerness to apply for large credit cards (debit cards). ) mentality, defrauding personal identity information and money, causing considerable losses to friends.
In order to help you reduce losses, we have specially compiled several typical credit card (debit card) fraud methods. You should read them carefully!
Credit card (debit card) agency scam
Credit card (debit card) is a financial product issued by a bank, which can only be purchased by the person through the bank or through genuine channels authorized by the bank. handle. Because there are certain thresholds for applying for a credit card (debit card), those users with poor credit are basically rejected immediately. Therefore, there are many institutions or individuals on the market that issue credit cards (debit cards) on behalf of others. The other parties use clever words and tricks to deceive the personal identity information and card application fees of the card applicants, and then disappear immediately.
Looking for someone to apply for a credit card (debit card) on my behalf, I almost lost 10,000 yuan
Because Xiao Wu needed money urgently for something, he wanted to apply for a large credit card (debit card) ), the target amount is not less than 100,000 yuan. But he has no real job, no real estate, and no car. If he applies for a credit card (debit card) under these conditions, 99% of banks will probably reject him. He searched for information on the Internet to see if anyone provided credit card (debit card) agency services.
Soon someone told him that as long as he provided his personal ID card and an information fee of 500 yuan, he could help him apply for a credit card with a limit of 100,000 yuan. Xiao Wu felt that 500 yuan was not much, so he quickly followed the other party's request. In less than a week, Xiao Wu received a credit card (debit card) from the other party. Xiao Wu followed the card opening instructions, but could not activate the credit card (debit card).
He contacted the other party again, but the other party said that the 500 yuan was only the data packaging fee. If he wanted to activate the credit card (debit card) with a limit of 100,000 yuan, he needed to pay an additional 6 yuan deposit. For Xiao Wu who was in urgent need of money, 6,000 yuan might be his income for two or three months. Xiao Wu gave up after thinking about it for a long time. When I talked about it later, I realized it was a scam. Fortunately, I only lost 500 yuan. If I had truly believed the other party, I would have lost several thousand yuan, and the credit card worth 100,000 yuan was simply a fake card.
Credit card (debit card) limit increase scam
Many people need to apply for a large credit card (credit card) because they have large consumption expenditures. Card) has insufficient credit limit, and it is difficult and slow for banks to increase the credit limit, so they find an agency to increase the credit limit. The other party claimed that increasing the limit of a credit card (debit card) requires a credit card (debit card) and password. This is simply nonsense. After the other party obtains the credit card (debit card) and password, it can overdraft consumption. When handling a credit card (debit card) limit increase business, you should first consult the card-issuing bank to verify whether you meet the conditions. Do not give your credit card (debit card) and password to others at will.
Fraud form 1: Spend first, and then refund after successfully increasing the limit
Fraud form 2: Pay the production fee first to increase the limit
Fraud form 3: Exploit "Limit increase software" implements fraud
Don't believe the customer service who says that credit cards (debit cards) can increase the limit
When Xiao Wu does business, he needs capital turnover at any time. I received it today A text message appeared to be sent from a bank's official customer service number, saying that Xiao Wu's credit card (debit card) limit could be increased to 100,000 yuan, and he could directly call the phone number in the text message to handle it.
Seeing that the text message was from the bank's "customer service" number, Xiao Wu had no doubts at all, and immediately called the phone number in the text message to ask for an increase in the credit limit.
Xiao Wu was told on the phone that if he wanted to increase his credit limit, he needed to pay off the balance on his previous credit card (debit card) in full, and he needed to bind a savings card for automatic repayment.
Xiao Wu usually uses Alipay or WeChat for repayment, and there is no binding of a savings card for automatic repayment, so he told the other party that he did not know how to operate it, and the other party said that he could do it for him. Xiao Wu provided the savings card number and Transfer 9,200 yuan from your other savings cards to this card through mobile banking.
Soon, Xiao Wu received a text message verification code. After telling the other party the verification code, Xiao Wu's mobile phone immediately received two more consumption text messages. His card was consumed for 9,200 yuan. He immediately realized that he had been deceived and called again, but he could no longer get through.
Do not click on links or QR codes at will
Xiao Zheng’s mother was hospitalized and needed money urgently. In the bathroom of the hospital, she saw an advertisement that could help increase the limit of her credit card (debit card). , so he called the phone number according to the advertisement. The scammer asked Xiao Zheng to send him the card number and name of the credit card (debit card). After a while, the scammer told Xiao Zheng that the comprehensive score of the credit card (debit card) was insufficient and he could not Increase the amount. But the difference is only a few points. You can increase your score by using virtual turnover to increase your quota.
The scammer told Xiao Zheng that he would send him a QR code and ask Xiao Zheng to scan the code to pay, and the limit would exceed the available limit of the current credit card (debit card), and the deduction would fail, and there would be no There is a loss of money, but it will increase Xiao Zheng’s virtual turnover, so the limit can be increased. Xiao Zheng thought that he did not have that much money in his credit card (debit card) anyway, so the payment would not be successful, so he scanned the QR code sent by the scammer, and the payment was successful. This is where scammers take advantage of the over-limit feature of credit cards (debit cards).
Do not apply for a credit card (debit card) at an agency that is not genuine.
Xiao Zhou is a female worker working in a factory. I saw someone posting an advertisement in the WeChat group this day. It was said that it could help increase the limit of credit cards (debit cards), and then Xiao Zhou added that person's WeChat account. After chatting, the scammer promised Xiao Zhou that he would use the internal channel of the bank, except for the credit card (debit card) number. In addition, he also needed to take photos of the front and back of his ID card and send it to him. Xiao Zhou, who was in urgent need of money, believed the other party's words and immediately sent his credit card (debit card) number and personal identity information to the other party.
After a period of time, Xiao Zhou found that the credit card limit had not been increased. When he urged him, the scammer kept saying that the limit was being approved and asked Xiao Zhou to wait for a while. But not long after, Xiao Zhou received a repayment text message from another bank, and then he discovered that the credit card (debit card) limit had not been increased. Instead, the scammer used his ID card to apply for a credit card (debit card), and Wipe away all the money on the card.
Do not tell others the verification code of your credit card (debit card).
Xiao Wang saw someone posting an advertisement in his circle of friends saying that he could increase the limit of his credit card (debit card). No fee if unsuccessful. So Xiao Wang contacted that person, and the person asked Xiao Wang to take a photo of the front and back of his credit card (debit card) and send it to him. Then he deceived Xiao Wang into using the internal channel, and he only needed to send the verification code he received. That's all he needs.
After a while, Xiao Wang received the text message verification code and sent it to the other party. Then he received a text message about the consumption of his credit card (debit card). Xiao Wang then realized that he had been cheated. . This is how scammers use the CVV code on the back of a credit card (debit card), which is the last three digits on the back of a credit card (debit card). On many overseas shopping websites, transactions can be run without a password.
There are many similar scams
Friends, please keep your eyes open
Don’t be blinded by desire