Reveal the secrets of credit card scams and see which ones you have been deceived by
Credit card theft incidents happen from time to time, and the sophisticated scams set up by scammers are difficult to guard against. In order to prevent everyone from being deceived, I have specially compiled some methods commonly 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 fee" text message
Generally occurs at the end of the year. In many places, criminals use "deduction of credit card annual fee" as an excuse to commit telecommunications crimes. 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, password, expiration date, security code, etc. With this information, they can easily overdraft maliciously the credit cards of cardholders.
I would like to 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. The "95588" text message may not be from ICBC but a scammer
If you receive a text message from 95588, cardholders should be alert. Maybe it is not from ICBC but from ICBC. 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.
I 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. Advertisements that help increase the limit
Many cardholders are worried that their credit card limits are not high. When they see advertisements online or on the street that help increase their limit, they contact them and follow the instructions. Request several online virtual transactions. Little did they know that during the transaction process, the credit card's information, such as the credit card's date, expiration date, password, and security code, had all been learned by the criminals.
My comment: Regarding this new method, it is recommended that cardholders do not leave their credit card, mobile phone number, and the 3-digit number on the back (CVV2 authorization code) on any website. The bank withdrawal limit is It does not require the cardholder to enter any information. Once you encounter such a situation that requires you 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 in to 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. Air ticket refunds and changes have also become a new method
"Your flight is delayed and your ticket needs to be changed. Please call 400? in time to handle it." If you receive such a message , card friends should be careful and do not disclose your credit card, expiration date, verification code and other information easily, because this is likely to be a text message.
It is understood that the gang used hacking technology to sneak into the civil aviation system to obtain the booking information, and then sent the information to carry out the operation. 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, expiration date, security code (3 digits on the back of the card), etc.
6. If there is a problem with online shopping and express delivery, the fake police will 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." Card friends must not be fooled, this is absolutely true.
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
Generally speaking, the "400" hotline number of formal large-scale enterprises is only used as a called party and will not be used as a calling party. 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 promotion!
I remind cardholders to keep in mind the anti-fraud guideline: 1. Do not trust blindly; 2. Ignore; 3. Do not disclose personal information; 4. Do not transfer money; 5. Do not make your own claims.
My CCB credit card was defrauded by a phishing website. Can I recover it in a short time?
You can try it.
First call the CCB credit card customer service hotline to freeze the card, and then immediately contact the local police to report the case.
Because it was caused by you entering the phishing website and providing your personal credit card information, it is generally difficult to find the bank to recover the loss. Of course, you still have to look for it. The most important thing is to contact the police. If the case can be solved, your The possibility of recovering losses will be greater.
What to do if you are defrauded by a phishing website when applying for a large credit card?
Friendly reminder from the Baidu Anti-Alliance Team:
All the information posted online allows you to get a loan or credit card with just your ID card. Information for applying for a credit card is a low-level scam. No matter whether the company is registered or not, don’t believe it. The scammer will first trick you into signing a faxed contract and pressing your fingerprints, and then step by step, he will trick you into paying the first month’s interest, performance fee, security deposit, and insurance premium. , guarantee fees, loan fees, notary fees, credit investigation fees, mortgage deposits, card opening fees, etc., you will also be required to transfer all the money in your account in the name of insufficient bank balance, checking your repayment ability or capital verification. The funds are transferred to the scammer's account. If you don't pay the fee as required by the scammer, the scammer will threaten you to breach the contract on the pretext that you have signed a contract with them, and threaten you to pay huge liquidated damages. This is really a low-level method. And typical!
Please always remember that if the other party asks you to pay any fees first for any reason, it is absolutely true. Under no circumstances, do not remit or transfer money to other people first to avoid being cheated! Don't believe any threats from scammers. Since the other party is suspected of cheating, the contract signed with the scammer has no legal effect, and there is no possibility of breach of contract.
Therefore, netizens are hereby reminded not to believe such loan or card application information published by various online investment and financing guarantee companies and various small loan companies, especially those in Beijing, Shanghai, Guangzhou, and Shenzhen. Such companies in big cities are basically scam companies! If you are cheated, no matter how big or small the amount is, please call the police! It's so rampant, and we ask the public security agencies in various places to vigorously crack down and rectify it!
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Knowledge heroes who are aspiring to be anti-anti, come and join the anti-alliance team. Please click on the anti-alliance below to apply to join, answer questions and help others together, and make the world free from deception, it can’t happen without you!
That’s it for the introduction to credit card phishing.