"We charge according to 15% of the credit card amount. For example, you only need to spend 1 to get a credit card in 500 yuan, and the credit card amount is 1 1,000 yuan. " A seller introduced. After the reporter bargained with him, the seller said that new customers can only press 15%, and the next purchase can be given 2 points. The reporter can give him 3 points when introducing new customers. "If you can introduce us to about 40 customers every month and become our super big family, we can give you a small credit card of 3,500 yuan for free every month. You just need to overdraw and we will help you repay. " The person said.

During the conversation, the reporter learned that the seller actually knew that this kind of behavior was illegal, but he felt that the punishment should not be too great.

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How reliable are fake credit cards?

How reliable are fake credit cards sold online? Sellers generally say that the transaction is based on mutual trust.

"Don't worry, we don't do business once. I want you to introduce new customers after cooperation. How can I give you a fake card? " Faced with the reporter's doubts, a seller said this. According to reports, he sold the card by express delivery, and the payment was paid twice. The buyer pays 7% in advance, and then the seller delivers the forged card to the buyer by express delivery. After confirming that the fake card is correct, the buyer will pay the remaining 8% to the seller.

However, bankers said that this kind of transaction itself is illegal, and its trading method is certainly not credible.

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How did fake credit cards appear?

According to the analysis of some bankers, there are four main possibilities for the emergence of fake credit cards: fake cards, or discarded cards that people don't use; Or personal information is leaked, and someone pretends to be a card; Or the card owner subjectively and intentionally sells personal information for people to apply for a card, and therefore charges a certain fee.

"In 2006, credit card applications were not strictly controlled, and some fake credit cards may be generated." However, bankers said that the management of credit cards is becoming more and more strict, and it is not allowed to use other people's information to do cards.

Now impersonating a credit card has become one of the main forms of credit card crime. According to bankers, these forms include: First, pick up someone else's credit card and ID card at the same time, guess the password and withdraw money. Second, because the cardholder's password is too simple, others guess the found credit card password and withdraw money. Third, others pick up the credit card that the cardholder forgot at the ATM, and then operate to withdraw money from it. Fourth, after the credit card password is mastered by acquaintances, acquaintances cheat the card to withdraw money. The fifth is malicious overdraft credit card. The sixth is to use it after forging someone else's credit card.