Common methods of bank card fraud include: using forged credit cards, or using credit cards fraudulently obtained with false identification; using invalid credit cards; using others’ credit cards fraudulently; and malicious overdrafts.
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1. The scammer pretends to be UnionPay and informs you that your bank card has been used successfully in the mall, and leaves an inquiry phone number. For example, the following information: "Dear bank card customer: You purchased 1,000 yuan at a certain department store yesterday, and it will be deducted from your ** credit card. If you have any questions, please call **." If you have any questions, call us. Finally, someone will "kindly" guide you to operate the ATM machine, and unknowingly ask you to transfer the money to him.
2. The scammer claims that your bank card has been stolen and the suspect has been caught, and requires the defrauded person to report the card number and password to "bank staff" to avoid "the bank card being frozen." When your relevant information is known to the other party, the balance on your card will continue to decrease. There are some advertisements on the Internet saying that a certain bank's online banking is offering a lottery. Once you click in, you will be asked to enter your card number and password to obtain your bank card information. These websites usually look very similar to real bank websites, and the URLs are also very similar, which is very confusing. This is one way many victims are deceived.
3. There is a "notice" posted on the ATM machine. The general content is "The bank system is faulty. You must follow the procedures, otherwise you will be responsible for the consequences." In fact, this is the transfer process set up by the scammer. If you follow that operation process, you will personally transfer the amount on the card to the scammer. Scammers put a piece of iron with an undercut on the card entrance of the ATM machine in advance so that your card cannot come out. After the "good Samaritan" on the side asked you to enter your password again but it didn't work, when you went to the bank to ask, the "good Samaritan" had quietly taken the card away. At this time, they can openly go to another teller machine to withdraw money.
4. "Ask for advice" and instantly transfer the package. After you transfer the money, but before you withdraw the card, someone next to you asks you a question. While you were turning around to speak, another person next to you had already transferred the money on your card to another account, then pulled out the card and replaced it with another. When you withdraw money or use your card to make purchases at an ATM machine, the thief has already targeted your bank card, and then steals it and steals it quickly. After they remember your bank card password, they wait for an opportunity to steal your bank card and withdraw money immediately. Peeping at account numbers, passwords, ID numbers, and names of victims. Some people do not have strong awareness of protecting their personal information and bank card information during bank transactions, giving criminals waiting on the side an opportunity to take advantage of them. Then he used his extraordinary memory to write down the victim's bank card number, ID number, name, and bank card password, then forged the victim's ID card to open online banking at the bank, and took out the money on the card or kept it for himself.