Credit card is a payment tool that consumes first and repays later. It can be used by understanding the relevant knowledge of credit card. Pay attention to credit card fraud and use your card safely. Please repay on time after swiping your card. If you cannot repay in full, please pay the minimum repayment. It is recommended to apply for installment payment according to the situation. It is recommended to swipe more cards and withdraw less cash.
The following is relevant knowledge about using credit cards, please refer to:
Benefits of using credit cards.
You can enjoy an interest-free repayment period of 20-56 days when using a credit card (you can enjoy a 50-56-day interest-free repayment period for purchases made on the second day of the billing date. 56 days for Bank of Communications and 50 days for other banks) , 48 days for investment).
You can also redeem points for products, airline miles, etc. when using credit cards.
When using credit cards for consumption, there is no such thing as cross-bank or different places. It is the same across the country.
If you use a credit card to purchase air tickets, you can enjoy aviation accident insurance ranging from 2 million to 5 million.
There are more benefits if you apply for a platinum credit card. (Applying for China Guangfa Bank’s Business Travel Platinum Credit Card can enjoy free high-speed rail VIP lounges, unlimited use of global airport VIP lounges, unlimited Dragon Cards, 5 million aviation accident insurance, etc.).
When using a credit card for consumption overseas, if it is a VISA or MasterCard dual-label card, some banks will also waive currency exchange fees.
If a credit card is opened and activated but is not used, an annual fee will be charged. There is no need to cancel an unopened credit card. Generally, it will not incur any fees or affect personal credit (except for specific card types. For example, some platinum cards will charge fees even if they are not activated). If you no longer want to use your credit card, please cancel it.
Credit card cancellation methods:
1. Cancellation by telephone: Cardholders can call customer service to apply;
2. Cancellation of cards at outlets: Some banks adopt This method allows the cardholder to bring their ID card and credit card to any local branch to cancel the card. After filling in the account cancellation application form, the bank will report a copy of the cardholder's ID card and the filled account cancellation application form to the head office. After a period of time, the cardholder can call to verify whether his credit card has been cancelled.
3. Cancel credit cards at designated locations: There are also a few banks that require you to cancel credit cards at designated locations.
How to increase the limit?
1. The amount of credit card swiped is as large as possible, and the total consumption amount within half a year is at least 30% of the amount;
2. The number of purchases is as many as possible, with an average of more than 10 transactions per month, reaching 20 It is easier to withdraw funds with a pen or more;
3. There are many types of consumer merchants, such as shopping malls, supermarkets, gas stations, restaurants, hotels, tourism, entertainment venues, etc.;
4. Wholesale and The smaller the amount of large purchases such as house purchases and car purchases, the easier it will be to increase the limit;
5. The smaller the amount of online shopping, Alipay transactions and cash withdrawals, the easier it will be to apply for an increase in the limit;
6. Merchants who use credit cards The type cannot always be similar to the nature of the company's business scope.
Credit Card Identification:
Cards starting with 62 are China UnionPay cards.
Those starting with 4 are VISA global payment cards (which are more widely distributed than MasterCard, with the most in Asia and Europe).
Those starting with 5 are MasterCard global payment cards (mostly in the Americas).
The cards starting with 37 are American Express cards.
The cards starting with 35 are mainly Japanese JCB cards.
Credit card installment (taking two banks as examples):
Guangfa Bank credit card installment:
Bianxiang Bank consumption installment: refers to a single payment by the cardholder For RMB transactions of 500 yuan or more, you can apply for installment repayment of principal and handling fees after consumption and before the current bill date (inclusive), subject to the review results. You can freely choose 6/12/18/24 periods (one period per month), and the handling fee for each period is only 0.7%/0.7%/0.72%/0.72% of the transaction principal, which will be deducted from period to period.
Bill installment: refers to the period from the day after the bill date to 2 days before the final repayment date, the cardholder can apply for installment repayment (6/12/18/24 installments) for the current bill arrears, corresponding to The handling fee for each period is only 0.7%/0.7%/0.72%/0.72% of the transaction principal, which is deducted period by period. The result and transaction amount are subject to bank review.
Cai Zhi Jin is an innovative financial management service provided to credit card holders. You can apply for an additional RMB cash advance, use it freely and flexibly, and easily enjoy 6/12/18/24 monthly installments. For repayment, only a handling fee of 0.75% of the principal will be paid in each period, which can be paid back to the credit card used when applying according to the monthly bill. The approved amount/result is subject to review.
Note: The application amount is an integral multiple of 1,000, starting from RMB 2,000, and the amount will be transferred to a domestic bank current savings account under my name. The transfer fee deducted from the credit card is RMB 10/transaction for this bank and RMB 20/transaction for other banks.
Instalment payment with China Merchants Bank credit card:
Instalments for bills that have been issued can be divided into a minimum of 2 installments and a maximum of 24 installments; installments for unpaid bills can be divided into a minimum of 2 installments and a maximum of 12 installments. Repayment in installments; one installment is one month. The bill installment handling fee is included in the monthly bill for installment repayment, and the handling fee per installment = the total installment amount × handling rate. The rate for 2nd period is 1.0%/period; the rate for 3rd period is 0.9%/period; the rate for 6th period is 0.75%/period; the rate for 10th period is 0.7%/period; the rate for 12th period is 0.66%/period; the rate for 18th period is 0.68 %/period; the rate for 24 periods is 0.68%/period.
The current cash installments are divided into 3, 6, 10, 12, 18, and 24 monthly installments. The handling rates for each installment are 0.95% and 0.80% respectively. , 0.75%, 0.75%, 0.75%, 0.75%, the principal of each cash installment and the handling fee of each period are fully included in the minimum repayment amount of the current bill.
Warm reminder: Cash advance fees and cash advance interest are not charged when handling cash installment business.
The handling fee for the Premium Platinum Installment Card is collected on a monthly basis. During the current listing promotion period, the fee rate for each period is 0.85% for 3 periods, 0.7% for 6 periods, 0.65% for 10 periods, and 0.61% for 12 periods. , 0.63% in the 18th period, and 0.63% in the 24th period.
Note: The standard handling fee for China Merchants Bank’s automobile installment business is 5.5% for 12 installments, 10.5% for 24 installments, and 14.5% for 36 installments; there are currently many best-selling models with zero handling fee for installments, please check the website Home page information.
Credit Card Cash Withdrawal:
Currently, if you use Xingye’s “Starry Night·Constellation Credit Card”, you can transfer the limit in one go through the client APP without any handling fees.
Interest: Cash advance does not enjoy interest-free repayment. From the day of cash withdrawal to the date of settlement, interest will be charged at a daily interest rate of 5/10,000, and compound interest will be charged on a monthly basis.
Limit limit (most banks): The cash advance limit is generally 50% of the credit limit (except for cards with special regulations). At the same time, the daily cumulative cash advance amount of each domestic card is capped at RMB 2,000; the daily cumulative cash advance amount of each household for overseas non-UnionPay lines shall not exceed the equivalent of US$1,000, and the cumulative amount within one month shall not exceed the equivalent of US$5,000. , the cumulative amount within 6 months does not exceed the equivalent of US$10,000.
The platinum cards of some banks may have free policies. Please consult each bank for details.
Credit card cash withdrawal charges (Guangfa Bank):
1. Cash withdrawal interest: Overdraft cash withdrawals do not enjoy the interest-free period. From the day of cash withdrawal, the handling fee and principal are charged at 10,000 per day. Five calculations will charge interest until the payment is repaid, with a minimum of ￥1/＄1.
2. Handling fee: Domestic overdraft withdrawals are charged at 2.5% of the principal, with a minimum of RMB 10/transaction, free of charge for self-owned deposits/platinum cards (except for Zhenshang/Zhenxiang/Zunyue Platinum Cards) ;
Overseas (including Hong Kong, Macao and Taiwan) are charged 3% of the principal, with a minimum of ￥15/＄3.
Note: There is no additional fee for inter-bank cash withdrawals.
In mainland China, the handling fees and interest charges for cash withdrawals using Guangfa credit card overdrafts are:
Handling fee = cash withdrawal principal /p>
Daily interest = (principal and handling fee) × 0.0005. Interest is calculated from the day of overdraft until the repayment is received. There is a minimum charge limit, with a minimum of RMB 1 per month.
A teller machine can withdraw cash up to 15 times a day, and the daily cumulative "overdraft withdrawal" amount is 5,000 yuan (2,000 yuan in Shanghai). If it exceeds, please present your original ID card and card. Go to our branch to pick up.
Benefits of Platinum Card (taking GF as an example):
Using GF Platinum Credit Card, you can enjoy high-speed rail VIP lounges (currently not available in other banks), airport VIP lounges and other value-added services: < /p>
Green channel for medical treatment: You can enjoy free VIP appointment registration service and 3 medical guidance services at tertiary hospitals in major domestic cities three times a year. Priority is given to making appointments at designated times and designated experts, and will be treated by experienced guides. The staff will accompany you throughout the process to help you complete payment, medicine collection and other tasks, making it easy to see a doctor.
Business travel VIP treatment:
● Intimate VIP treatment, exclusive space is quiet and comfortable, and the green channel is calm and leisurely
1). Airport VIP privileges: exclusive lounge, agency procedures, boarding reminder, remote flight shuttle, etc.;
2). High-speed rail VIP benefits: Convenient location, close to the ticket gate, personal escort, and priority boarding.
● No reservation required, unlimited free access to Guangfa’s exclusive airport and high-speed rail VIP lounges
Equipped with a Longteng Card for free, you will receive 6 visits (6 points) to Longteng Airport VIP rooms per year , and 4 times (2 points)/year Longteng High Speed ??Rail VIP treatment. Exceeding the number of free points will only cost 150 yuan/point.
● Covering more than 200 major domestic and foreign cities such as Beijing, Shanghai, Guangzhou, Shenzhen, Hong Kong, Tokyo, and New York.
Warm reminder:
1). Airport and high-speed rail VIP privileges are only for personal use. If you use it with a companion, there will be a fee: GF exclusive airport/high-speed rail VIP room companion fees will be announced on site. The quoted price shall prevail; a companion fee of RMB 150 per point will be charged at Longteng Airport/High Speed ??Rail VIP Lounge.
2). Due to the different conditions of VIP rooms in different places, the service items, service facilities and service processes that can be provided are also different. Please refer to the actual local services for details.
Multiple points bonus (exclusive for Platinum Card): With the GF Platinum Credit Card, you can enjoy 3 times the points accumulation when you spend at business travel or overseas merchants.
High-cost travel accident insurance: RMB 5 million travel accident insurance comes with the card, and family members traveling with you can also benefit from it, giving you and your family exclusive and considerate protection every time you travel.
Exclusive 3-issue handling fee discount for self-service installment: Within one year from the date of card issuance, apply for 12 or more installments through self-service channels such as mobile banking, online banking, voice system, SMS, WeChat banking, etc. ( Including automatic sample lines), financial funds, reserve funds, and bill installment services, you can enjoy 3 installments of handling fee reductions. (Click to view the details of the bank statement and installment plan)
Note: The time for applying for self-service installment must be before December 31, 2015
Emergency taxi service?: If you are in If you need a car urgently for business trips or vacations, just call the service hotline and we will arrange a special car for you to use at an exclusive discounted price.
Global preferential merchants?: VIP privileges from global preferential merchants, enjoy exclusive privileges and discounts from top merchants such as five-star hotels, high-end restaurants, luxury brands, etc.
Global travel support service: When you encounter difficulties while traveling or on a business trip, you can call the 24-hour global emergency support service hotline at any time and enjoy a variety of emergency support services, including: emergency card replacement, emergency cash advance , translation services, lost luggage assistance services, etc.
International Personal Assistant?: When you or your family are abroad, you can call the 24-hour platinum service hotline at any time to provide restaurant reservations, hotel reservations, medical treatment and other considerate services according to your needs. Serve.
VIP Service Hotline?: 24-hour VIP service, with exclusive secretarial services provided by senior service specialists.
Exclusive fee reductions and exemptions?: You can enjoy exemptions on many fee reductions, such as the handling fee for domestic consumption list access, the handling fee for accessing overseas banknote certificates, and the over-limit fee.
Counter priority service?: You can enjoy VIP priority service at outlets where Guangfa Bank has opened VIP service windows and handle various businesses with priority.
Points Mall product exchange discount?: You can enjoy a 15% discount on all products in the Platinum Zone of Guangfa Bank Points Mall, allowing your points to appreciate faster.
Automatic RMB settlement of global transactions?: The "RMB World Connect" function is automatically opened for you. All overseas international transactions are automatically converted into RMB transactions and recorded in your account. You only need to repay directly in RMB through RMB repayment channels. , thus eliminating the need for foreign exchange purchase procedures and saving costs.
Free transaction security guard: escorting you to use your card safely. When your card is lost or stolen, forged, or card information is leaked, our bank will provide compensation protection regardless of whether you paid with a password or not. There are also free transaction reminder text messages, allowing you to keep track of changes in your account.
Exclusive services for car owners with platinum credit cards:
Exclusive cash rebates for gas: swipe the card to refuel and enjoy generous cash rebates, with a 10% rebate ratio for amounts below 1,000 yuan (inclusive) in a single month , the refund rate is 3% for the amount from 1,001 yuan to 2,000 yuan (inclusive), and there is no refund for amounts above 2,001 yuan. A maximum of 1,560 yuan can be returned each year!
Enjoy road rescue?: Enjoy unlimited road rescue throughout the year, free towing, oil delivery, quick repair and other rescue services within 100 kilometers. At the same time, free local accommodation arrangements or rescue services are provided if necessary. Scooter transfer service.
Driving after drinking is safe and considerate?: The service of driving after drinking with Guangfa Credit Card has been newly upgraded. Log in to download the e-driving client and register with your mobile phone number to easily book. E-road travel is safe and considerate, and you can enjoy 6 free alcohol-based driving services throughout the year.
High insurance, safe and worry-free?: The card comes with a driver’s personal safety accident insurance of up to RMB 500,000, providing exclusive and considerate protection.
Exclusive services for business travel platinum credit cards:
Business travel VIP treatment
● Intimate VIP treatment, exclusive space is quiet and comfortable, and the green channel is calm and leisurely
< p>1)． Airport VIP privileges: exclusive lounge, agency procedures, boarding reminder, remote flight shuttle, etc.;2). High-speed rail VIP benefits: convenient location, close to the ticket gate, personal escort, and priority boarding.
● No reservation is required, and you can enjoy unlimited free VIP privileges at Guangfa’s exclusive airports and high-speed rails
Equipped with a free Longteng Card, you can enjoy unlimited free VIP privileges at Longteng Airport and high-speed rail.
● Covering more than 200 major cities at home and abroad such as Beijing, Shanghai, Guangzhou, Shenzhen, Hong Kong, Tokyo, and New York.
Warm reminder:
1). Airport and high-speed rail VIP privileges are only for personal use. If you use it with a companion, there will be a fee: GF exclusive airport/high-speed rail VIP room companion fees will be announced on site. The quotation is subject to the quotation; a companion fee of 150 yuan per point is required for Longteng Airport/high-speed rail VIP rooms.
2). Due to the different conditions of VIP halls in different places, the service items, service facilities and service processes that can be provided are also different. Please refer to the actual local services for details. ?
Multiple points and value-added consumption: Exclusive and generous consumption feedback, accumulate points faster. Redeem your favorite gifts. Enjoy 2x points for domestic consumption and 5x points for overseas consumption. (Effective from February 1, 2013, the upper limit of the multiple bonus points in the monthly points of the Business Travel Platinum Card has been adjusted to 1 million points, and the excess points will not be eligible for multiple bonus points)
Mileage redemption for flyover enjoyment: Your Use your points to redeem miles from multiple airlines, and enjoy the exclusive redemption discount of 1 mile for every 20 points.
Exclusive services for golf platinum credit cards
Free greens for comfortable playing: Selected domestic golf courses, you can enjoy free green fees regardless of weekends and holidays The service allows you to release from stress, play golf freely in the sunshine, green grass, beach, and forest, and enjoy your life as much as you want!
Wonderful free practice time?: Choose from many high-quality golf driving ranges in Beijing, Shanghai, Guangzhou, Shenzhen, Hangzhou and other cities, and enjoy free practice services regardless of weekdays and holidays, and you can even bring your companions** *Enjoy a smooth life of golf.
Exciting Events Elite Gathering?: GF Platinum Credit Card Customer Golf Tournament is held from time to time. You can sign up to participate and get to know more elites while participating in the event.
Special offer and status symbol: Enjoy golf club reservation services at home and abroad, and enjoy VIP discounts and benefits.
For specific service details, please call 95508 or refer to the user manual.
Within the scope permitted by law, China Guangfa Bank may adjust specific service content and detailed rules according to national laws and regulations and actual conditions.
?
Consequences of non-repayment of credit card:
If you are overdue for more than three months or have not repaid the bank reminders for more than two times:
The bank will freeze you The card will list you as a prohibited customer (blacklist), and will also sue you for credit card fraud and malicious overdraft, and the court will enforce it. If you refuse to repay after prosecution and the amount owed exceeds RMB 10,000, the court will impose a sentence based on the crime of credit card fraud in Article 196 of the Criminal Law:
Article 196 of the Criminal Law stipulates that under one of the following circumstances, credit card fraud is committed If the amount is huge or there are other serious circumstances, the sentence is to be not less than five years but not more than 10 years of fixed-term imprisonment or criminal detention, and a fine of not less than 20,000 yuan but not more than 200,000 yuan; If the amount is particularly huge or there are other particularly serious circumstances, the sentence shall be not less than 10 years in prison or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or property confiscation:
(1) Using a forged credit card, or using a credit card fraudulently obtained with false identification;
(2) Using an expired credit card;
( 3) Fraudulent use of other people’s credit cards;
(4) Malicious overdraft.
A malicious overdraft refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession, and still refuses to return the card after being called upon by the card-issuing bank. Malicious overdrafts are a major form of risk in the credit card business and are part of credit card fraud.
As long as you are willing to bear the interest, you can set up credit card bills from two banks to repay each other:
For example: use China Merchants Bank card and Bank of Communications card to repay each other. The minimum repayment date for Bank of Communications is 25 days after the bill date, and the minimum repayment date for China Merchants Bank is 18 days after the bill date. ?You can fix the statement date of Bank A, calculate the final repayment date a, and then change the statement date b of Bank B to "two days before the last repayment date of Bank A (a-2)".
According to the current billing dates of China Merchants Bank: 03, 05, 06, 07, 09, 10, 12, 15, 16, 17, 18, 19, 20, 22, 25, the corresponding last The repayment dates are: 21, 23, 24, 25, 27, 28, 01, 03, 04, 05, 06, 07, 08, 10, and 13. We can fix the billing date of China Merchants Bank A as 03rd a, calculate the final repayment date as the 21st, and then change the billing date b of Bank of Communications B to two days before 21st (the 19th).
If we use a China Merchants Bank card for consumption on October 4, 2015, and wait until the bill is issued on November 3, 2015, we need to pay the bill on the day before November 21, 2015 (November 2015) On the 20th of the month) I used a Bank of Communications card to withdraw cash and pay it back to China Merchants Bank. Since the Bank of Communications statement date is the 19th, consumption on the day after the statement date will not be billed until the 19th of the next month (December 19, 2015). You can use CMB’s cash withdrawal 25 days after the invoice (around January 14, 2015) to pay off the transportation fee.
In this way, you need to bear the interest of two banks:
For example, if you use a China Merchants Bank card to spend 1,000 yuan on October 4, 2015, after the bill is issued on November 3, 2015, We need to use the Bank of Communications card to withdraw cash on the day before November 21, 2015 (November 20, 2015) to pay back CMB.
In the first stage, China Merchants Bank *** paid a total interest of 48*0.05%*1000=24 yuan after 48 days. Since the Bank of Communications statement date is the 19th, consumption on the day after the statement date will not be billed until the 19th of the next month (December 19, 2015). In the second stage, Bank of Communications will pay a total interest of 55*0.05%*1000=27.5 yuan after 55 days. In the third stage, when using China Merchants Bank to withdraw cash, interest of 18*0.05%*1000=9 yuan will be paid from January 14, 2015 to the next billing date of February 3, 2015.
The total interest paid to two banks in the three stages is: 24+28+9=64 yuan. Enjoy the repayment period: February 03, 2015 to October 4, 2015, a total of about 120 days. It is free to withdraw current CMB Weibo Master Card.
Credit card fraud methods:
"Fake official bank number + phishing website".
Generally, consumers trust official bank customer service hotlines starting with "95XXX". When receiving such a number, most people will lower their vigilance or even completely lose their vigilance. Generally speaking, fraudsters will use a number changer to change the phone number to the bank's official customer service hotline, and use it under the guise of "system maintenance, changing passwords", "large purchases at a certain mall" or "redeeming points for gifts". Pseudo base station technology pushes text messages with fake bank official website links to users. Once the user clicks on the phishing URL link in the text message, it is very likely to leak key information such as user name, card number, password, etc., resulting in credit card theft.
Cardholders should pay special attention to whether the website provided in the text message or phone call is consistent with the website domain name announced by the bank; many website domain names will have more letters or less letters, as well as more suffixes or prefixes. If you are unable to judge, it is recommended to call the official customer service hotline of the card issuer for confirmation and do not be deceived by false impressions.
Free gifts are not trustworthy, and be wary of "pie in the sky".
Recently, many consumers have complained that most of them have received calls from official numbers that appear to be major banks. The phone call said that if you are selected as one of the lucky users, you can get gifts such as "3D glasses" and "high value gift pack portable WIFI" from the bank's credit card center. The equipment is free, but the logistics fee and testing fee will cost more than 190 yuan. Postage A 200 yuan phone recharge card will be included. If you want it, you need to provide the delivery address and other information.
Since there are endless phone number scams at present, cardholders should keep a clear head when receiving such calls. They may as well hang up the phone and call the official number for verification in time. At the same time, users can check and identify the preferential activities, value-added services and other information of each bank through the bank's official website. They must be wary of "pie in the sky" and do not take advantage of small gains to prevent being deceived.
It is not a "good intention" to help you raise your forehead.
According to statistics, fraud on the pretext of credit card limit increase also accounts for a high proportion. Credit card experts said that if there is a call from "bank customer service" and the caller offers to help the cardholder increase their credit card limit, don't get too happy because the person on the other end of the phone is probably a scammer.
Generally, this type of so-called "bank customer service" will help cardholders increase their credit card limit based on the user's credit card consumption meeting the limit increase requirements. During the phone call, they will ask for the card number, verification code and verification code on the back. information, or ask customers to log in to the fake website provided by them and enter relevant information, thereby successfully committing fraud.
“Under any circumstances, service personnel of banks or credit card institutions will not ask customers for passwords or card numbers through phone calls or text messages. Once the other party makes such a request, it can be determined to be fraudulent information. ” said a credit card expert from Bank of Communications.
Online shopping "refund".
Online shopping has become an indispensable part of people's daily lives, and scammers have also introduced new fraud methods in this field. Scammers use consumers' real shopping information to act as customer service staff to "refund" the money, and then lure consumers into phishing websites. This is also a popular scam recently.
Consumer Ms. Yang has encountered such a scam. Ms. Yang likes online shopping, and one day she took a photo of a coat on the website. At this moment, she received a call from the "store owner" claiming that the product was out of stock and that she needed to provide her credit card number, expiration date, verification code on the back of the card and other information for a refund. Ms. Yang believed the scam and provided her credit card information. She didn't know she had fallen into a scammer's trap until she received a transaction text message from the bank. But by this time, it was too late and her credit card had been stolen.
While immersed in the convenience and speed of online shopping, cardholders are advised to be vigilant against calls from unfamiliar customer service, cloned websites, unfamiliar website links, etc., and never disclose their bank card numbers, passwords, and identities. core data such as certificates and verification codes.
Peeping at the victim’s personal information.
Some customers do not have a strong awareness of personal information protection when handling banking services, so some scammers rely on their super memory to use the victim’s credit card number, the last three digits of the signature field (CVV2), and the ID number. Write down the victim's name, name, and bank card password, then forge the victim's ID card to open online banking at the bank, and take the victim's deposits as his own.
Fraud in the name of payment.
After the scammers tried their best to find the information of some companies, they called and pretended to pay a deposit before ordering, and asked the financial staff to check it in time. A day or two later, the scammer will ask again if the payment has been received. When the financial staff responds that they have not received the payment, the scammer will provide a so-called bank phone number for the financial staff to verify. After the automatic answering call is connected, it will remind you to enter it. Account number and password. When the scammer obtains the account number and password, he will immediately forge his ID card and go to the bank to withdraw money.
Call by phone to ask for the password.
The scammer falsely claims that your credit card has been stolen and the suspect has been caught. The scammer requires the deceived person to report the card number, ID number, and last three digits to bank staff to prevent the credit card from being frozen. When you provide the relevant information to the scammer, the amount on the credit card will be stolen (for credit card fraud, you only need to know the ID number, credit card number, and the last three digits of the credit card signature field (CVV2) to make online transactions.
Pornography "Trojan", downloading player and other software.
Many curious people like pornographic websites, and when they click to watch, they will be prompted to install the player. The pre-set Trojan software will automatically download and install into the victim's mobile phone, thereby realizing the interception and control of the victim's mobile phone text messages. In this way, criminals can inadvertently steal bank verification text messages sent to the mobile phone bound to the cardholder's credit card. Brush.