The use of credit cards in living expenses is becoming more and more common. Many people begin to feel that the amount of credit cards is not enough, but it is not easy to apply for large credit cards. Recently, cases of being cheated in handling credit cards online have occurred from time to time. Criminal suspects usually take advantage of the lack of financial knowledge and eagerness of card holders to cheat money in the name of paying material fees, agency fees, insurance premiums and running water.

I applied for 1, credit cards online, but I was cheated by nearly 3, yuan.

In p>217, when Mr. Guo was surfing the Internet with his mobile phone at home, an advertisement window for handling large credit cards suddenly popped up. "I just want a loan. Let me see, credit cards are more convenient to use. " At that time, Mr. Guo clicked in without much thought. Seeing that he can apply for a bank credit card with a quota of 1, yuan, and he can get it in just ten days, Mr. Guo feels that it is much more efficient than going to the bank to apply for it, so he truthfully enters a series of genuine personal information such as his name, ID number and contact number in the website where the bank credit card is applied for.

a few days later, Mr. Guo received a phone call from a woman who claimed to be a bank employee in Beijing. The woman told Xu that if you want to apply for such a high credit card, you need a few hundred yuan of business card printing fee. Mr. Guo felt that this was also reasonable, so he paid all the money to the account designated by the opposite party.

Mr. Guo received a bank credit card from the opposite party as scheduled. Both the card itself and the envelope are no different from the bank card that is usually applied for at the counter. A QR code is attached to the credit card information. Mr. Guo immediately called the bank staff who called him last time and asked Xu to remit money on the grounds that he needed to pay a handling fee of 2 yuan to activate the credit card. Mr. Guo believed it and transferred the money to the bank account designated by the opposite party. Subsequently, another man who claimed to be the director of the bank's card opening called, saying that the credit card needed to be activated before it could be used in general. However, due to the high amount of this card and no guarantor, the credit card holder had to pay a certain insurance premium to the designated account before the credit card could be activated, but this insurance premium would be refunded to Mr. Guo. Under the instructions of the opposite party, Mr. Guo scanned the QR code attached to the credit card and displayed a "Credit Card Application Progress Query" page. After Mr. Guo entered his ID number, Mr. Guo's identity information popped up on the page, and information such as credit card type, quota and progress was processed. This makes Mr. Guo more convinced that if Mr. Guo puts in a sum of money according to the account provided by the opposite party, the credit card limit on this webpage will increase by a certain amount accordingly. As a result, Mr. Guo was puzzled by the party for various reasons and remitted nearly 3 thousand yuan successively. Later, the director of the bank's card opening asked Mr. Guo to continue to remit money on the grounds that he needed to do running water to open the card. Mr. Guo finally found out that something was wrong and rushed to the relevant bank to inquire. After identification, the bank staff found that the credit card held by Mr. Guo was fake. Liu Xumou quickly reported the police.

details of fraud: a person specially assigned to make a fake website and collect a large amount of citizens' personal information

According to the criminal suspect's confession, the entire fake credit card fraud industry chain has a clear division of labor, among which a person specially assigned to make a fake credit card to handle the website and collect a large amount of citizens' personal information. These information are resold to gangs that specialize in selling citizens' information, and then the fraud gangs buy the personal information they need, and the traffic fraud gangs call the victims to apply for cards.

after the victim applies for a card, the fraud gang will "place an order" with the gang that manufactures and sells fake cards, and the latter will mail the fake credit card and the QR code of the fake credit card inquiry website to the victim. At the same time, in order to doubt the victim, the fraud gang will buy the website from the person who made the fake credit card inquiry website in advance and change the background data at any time. Fraudulent gangs set traps step by step to trick the victims into remittance by phone, and then a special person will go to the bank to withdraw money and cash it out.

safety tips: to apply for a credit card, you should go to a formal financial institution

Xiaocai. com to remind the majority of card friends. In fraud cases, criminals usually use the victim's luck of being greedy for cheap to lure the victim into a trap. Therefore, we must correct our mentality, go to formal financial institutions to handle credit cards, and not covet convenience and treat traps as pies; Second, when logging in to the bank's website, be sure to check whether the website has official website or a formal partner who is not a bank; Third, don't easily receive and install unknown software. Carefully enter personal identity information, bank account and password, beware of phishing websites, prevent personal information from being leaked, and cause unnecessary economic losses to yourself. Also, after receiving the credit card, you should call the bank customer service phone in time to verify the authenticity of the card.