"Cheap map" is definitely not a good product, and all scams start with greed. Mr. Wang applied for a credit card through an intermediary. It is understood that this card is much larger than the amount directly handled in the bank, but he did not expect to get a "cottage credit card" and was almost cheated of 5, yuan. It is said that this is the first fake credit card in Chongqing. People from the banking association reminded the public that this is a new type of fraud.
To activate the credit card, you should pay first
"It was a weekend, and there were fewer customers than usual." Recalling the situation that day, Jin Wang, the lobby manager of a bank's Chongqing Guanyinqiao Sub-branch, still remembers it vividly. "After a customer in his thirties hurried in, he went directly to the lobby manager's desk to ask questions about credit card activation."
"He looked worried," said Jin Wang, who didn't know what to do, so he came to the business hall to ask why the credit card he had just applied for couldn't be activated.
After some inquiries, Jin Wang finally learned what happened.
"It turns out that the citizen himself handled a credit card of our bank through a third party, with a limit of 5, yuan." Jin Wang said that the credit card was sent to the customer through the post office, just like a normal credit card. However, at the same time, a letter was attached, which introduced the phone number of the credit card activation.
when the citizen called to activate the credit card as required, the person who claimed to be the customer service of the bank on the other end of the phone claimed that because the credit card limit was too large, 5, yuan had to be deposited in a private account of the Agricultural Bank of China as a security deposit.
"This request may have surprised the citizen who handled the card, so he came to our bank for consultation." Jin Wang said.
Many details are different from the real card
Jin Wang immediately asked the customer to take out the credit card to have a look, which made her even more surprised. A "and" credit card issued by a "fake" bank suddenly appeared in front of her.
"At first glance, this fake card is exactly the same as the credit card issued by our bank." Jin Wang said, but after careful comparison, there is still something suspicious.
To make sure, Jin Wang called the manager on duty to check together.
"On closer inspection, it is found that the production is rough, and there are many details that are different from the real card," Jin Wang said. There are no first four digits of the account number under the card face, but the card face only has an expiration date and no card start time, and the card face pattern color is obviously inconsistent, and the handwriting is blurred. In addition, there is no CVV2 code on the back of the card.
in addition, the logo of unionpay in the upper right corner of the front of the card is the old version; VISA's logo in the lower right corner of the front of the card is the old version.
Jin Wang also found that the envelopes and letters mailed are quite different from the envelopes of credit cards mailed normally.
to be sure, this card is not a credit card issued by our bank, but a "fake" card, and its purpose is definitely fraud.
the fake credit card comes from an intermediary
so what about this credit card?
according to Jin Wang's recollection, she and the manager on duty inquired about the customer's card handling process carefully at that time. "The customer said that the credit card was handled through an intermediary, saying that it was handled in a bank, and the credit card limit was only below 5,. If you look for them, you can increase the credit card limit to 5,.
"The person who helped him with the card only asked him to provide his name, ID number, company address, contact number and other information," Jin Wang said. "This alone can definitely be false."
do you often receive this type of text message, which is about, "apply for a credit card (card) of 5,-5, for you, and it will be done in 15 days. Call 185838766×× ".
when the investigator calls the phone number, the person on the other end of the phone claims to be from the personal credit loan department of a large state-owned commercial bank, and can apply for a credit card for the reporter.
"We just need the phone number and your ID number, and we have to check it first," said the "bank staff" on the other end of the phone, and the maximum amount can be 5,.
"Why don't you even need a copy of your ID card?" The investigator asked deeply.
"Don't worry, we are bank staff, and we can handle it for you through internal procedures." The other party replied, however, after it is done well, we will charge a fee. If it is 5, yuan, we will charge 1,5 yuan.
the other party also stressed that "if you want to apply for a quota of 5, yuan, you must also deposit 2, yuan as a deposit".
In the eyes of Chongqing Banking Association, this is not only a new type of fraud, but also means that the "fake credit card" that has appeared in other places has appeared in Chongqing for the first time.
"Making a fake credit card, and then asking citizens to pay money as a deposit, this kind of fraud has appeared in other provinces and cities, and it is the first time in Chongqing." People from the City Banking Association reminded that this kind of fake credit card generally uses a high amount as the main "temptation point".
Secondly, the short card processing time and low threshold are often easy for the public to "get caught". "Credit cards handled by regular banks are strictly examined and approved, and it takes at least one month to get the cards," the source said, but this kind of fake credit card often claims that it only takes seven days to get the cards.
"In order to open a credit card in a regular bank, the customer will never be asked to deposits received, and the customer will open the card through the credit card hotline." The Municipal Banking Association finally reminded that anyone who asks to open a card in deposits received is false and must be a fraud.
Teach you how to identify fake credit cards
1. Look at plastic negatives. The real card has a smooth surface, the color is not easy to fall off, and the negative has anti-counterfeiting marks; The surface of fake cards is rough, the color is easy to fall off, and the negative film is generally without security design.
2. Look at the printing. Real cards have bright colors and clear words, and the stripes on the card surface are inspected neatly; The words of the fake card are vague, the color is too dark or too light, and the stripes on the card surface are irregular, just like sticking it on a white card.
3. Look at the signature column. The real card has the trademark of the duplicate card issuing company; The fake card has no company trademark, that is, it is all white or has traces of alteration, and the signature is not smooth.
4. Look at the impression. Real Kaka number capitalized English letters are neat and orderly; The stamped number of the fake card is irregular or different in size from the English letters, and the old card number of the altered card is faintly visible on the card surface.
Lawyer's statement
Lawyer Juck Zhang of Chongqing Dingling Law Firm said: The crime of fraud refers to the act of defrauding a large amount of public and private property by fabricating facts or concealing the truth for the purpose of illegal possession. According to Article 266 of the Criminal Law, whoever defrauds public or private property in a relatively large amount shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also or only be fined; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 1 years or life imprisonment, and shall be fined or confiscated.
In this case, the criminal suspect defrauded the victim's "deposit" by handling a high-value credit card as bait, which has been suspected of committing fraud. Depending on the amount involved and the circumstances of the crime, the criminal suspect will face different penalties, and the maximum penalty can be more than 1 years of fixed-term imprisonment or life imprisonment, and fines or confiscation of property. The attempted crime may be given a lighter or mitigated punishment compared with the accomplished crime.
Lawyer reminds: In recent years, criminals' fraud methods are constantly being renovated and emerge in an endless stream, which makes it impossible for ordinary citizens to prevent them. Lawyers remind citizens and friends that when strangers ask for payment by way of transfer, they must be vigilant, do not transfer money rashly, and beware of being deceived. At the same time, when handling financial tickets such as credit cards, you must go to financial institutions such as banks, and don't trust intermediaries such as third parties.