Internet fraud

Fake official bank number+phishing website.

Under normal circumstances, consumers trust the official customer service hotline of the bank starting with "95XXX". After receiving such a number, most people will reduce or even completely lose their vigilance. Generally speaking, fraudsters will use the number changer to change the telephone number to the official customer service hotline of the bank, and use the pseudo base station technology to push short messages with false links to the bank official website under the guise of "system maintenance, password change", "a shopping mall spends a lot of money" and "redemption of points for gifts". Once the user clicks on the phishing website link in the short message, it is likely to reveal key information such as user name, card number and password, resulting in the theft of credit cards.

The majority of cardholders should pay special attention to whether the website provided by SMS or telephone is consistent with the website domain name published by the bank; Many website domain names will have more letters or fewer letters and more suffixes or prefixes. If you can't judge, it is recommended to call the official customer service hotline of the issuing bank for confirmation, and don't be confused by the illusion.

Free gifts are not credible, beware of "pie falling from the sky"

Recently, many consumers complained, and most of them received calls from the official numbers of major banks. The phone said that if you are selected as one of the lucky users, you can get gifts such as "3D glasses" and "high-priced gift package with WIFI" from the bank credit card center. The equipment is free, but the logistics fee and inspection fee need to be more than 190 yuan, and the package will also be accompanied by a telephone recharge card from 200 yuan. If necessary, you need to provide information such as the receiving address.

As telephone number fraud emerges one after another, cardholders should keep a clear head when receiving such calls, and may wish to call the official number in time to verify after hanging up. At the same time, users can query and identify preferential activities, value-added services and other information of various banks through the bank official website, so they should beware of "pie falling from the sky" and not covet petty gains to prevent being cheated.

It's not "kind" to lift your forehead.

According to statistics, fraud based on credit card withdrawal also accounts for a considerable proportion. Credit card experts said that if there is a "bank customer service" phone, the caller will take the initiative to help the cardholder increase the credit card limit. Don't be too happy, the other end of the phone is probably a liar.

Generally, this so-called "bank customer service" will help cardholders to increase the credit card limit by ensuring that the user's credit card consumption meets the requirements of increasing the credit card limit. During the phone call, they will ask for information such as card number, verification code, verification code on the back, or let customers log in to the fake website provided by them to enter relevant information, thus successfully defrauding the stolen brush.

"Under any circumstances, the service personnel of banks or credit card institutions will not ask customers for passwords or card numbers by phone or SMS. Once the other party makes such a request, it can be judged as fraudulent information. " Bank of Communications credit card experts said.

Online shopping "refund".

Online shopping has become an indispensable part of people's daily life, and scammers have also introduced new fraud methods in this field. Fraudsters use consumers' real shopping information to act as "refund" for customer service staff, and then lure consumers into phishing websites, which is also a popular scam recently.

Consumer Ms. Yang has encountered such a scam. Ms. Yang likes shopping online. One day, she bought a coat on the website. Just then, she received a phone call from the "shopkeeper", saying that the goods were out of stock, and she needed to provide credit card number, expiration date, check code on the back of the card and other information to get a refund. Ms. Yang believed it, so she provided information about the credit card. She didn't know that she had fallen into the trap of a liar until she received a short message from the bank, but it was too late and her credit card had been stolen.

While immersed in the convenience of online shopping, please be alert to strange customer service calls, cloned websites, strange website links, etc. Never disclose your bank card number, password, ID card, check code and other core data.

Peeping at the victim's personal information.

Some customers do not have a strong sense of personal information protection when handling banking business, so some scammers use their super memory to write down the victim's credit card number, expiration date, the last three yards of the signature column (CVV2), ID number, name and bank card password, and then forge the victim's ID card to open online banking in the bank, and take the victim's deposit as their own.

Fraud in the name of payment.

After the swindler tried his best to find some company information, he called and pretended to pay part of the deposit before placing the order, so that the financial staff could check it in time. A day or two later, the swindler asked if he had received the payment. When the financial staff does not receive the answer, the liar will provide a so-called bank phone number for the financial staff to verify by phone. After the automatic answering phone is connected, you will be reminded to enter your account number and password. After the scammer obtains the account number and password, he will immediately forge an ID card to withdraw money from the bank.

Call for the password.

The swindler lied that your credit card was stolen and the suspect has been arrested. Ask the deceived person to report the card number, ID number and the last three codes to the bank staff to prevent the credit card from being frozen. When you tell the liar the relevant information, the amount on the credit card will be stolen (as long as you know the ID number, credit card number and the last three digits of the credit card signature column (CVV2), you can steal the credit card online).

Yellow net "Trojan Horse", download players and other software.

Many curious people like crazy pornographic websites, and click on the prompt to install a player when watching. When the victim clicks download. Trojan horse software set by criminals in advance will be automatically downloaded and installed in the victim's mobile phone, so as to intercept and control the short messages of the victim's mobile phone, and let criminals inadvertently steal the bank verification short messages sent to the cardholder's credit card-bound mobile phone.

Beware of all kinds of fake loans and credit card information scams published online;

Asking for "extra fees" before lending in the name of providing loans is definitely fraud. Some loan companies may be real, but when searching for company names, the names ranked in front of search engines are all the same, probably phishing websites or fraudulent websites.

It is suggested that people who are certified by search engines in official website are more reliable (search engine certification will have the words "official website" on a green or blue background behind the search title: 360 will search for the words "official website" on a green background and Baidu will search for the words "official website" on a blue background).

Most of the information published online that you can borrow money or apply for a credit card as long as you have an ID card is a low-level scam. Don't believe it if the company is registered or not.

The swindler tricked the victim into signing a fax contract and concealed his fingerprints. Then he will cheat the victim step by step to pay the first month's interest, performance fee, deposit, insurance fee, guarantee fee, loan fee, notary fee, credit information fee, mortgage fee, card opening fee and so on. In the name of insufficient bank flow, checking the repayment ability of the victim or capital verification, the victim is required to transfer all the funds in his account to the liar's account. Even the victim is required to apply for a bank card at a designated bank, and then bind the liar's mobile phone number and other low-level fraud means. If the victim fails to pay the fees as required by the swindler, the swindler will threaten to sue the victim for breach of contract in the name that the victim has signed a contract with them, and threaten the victim to compensate huge liquidated damages. This is really a low-level fraud, a typical fraud!

Please always remember, under any circumstances, don't send money or transfer money to others first to avoid being cheated! Don't believe the threat of any liar. Because the other party is suspected of fraud, the contract signed with the liar has no legal effect and there is no so-called breach of contract. Low-level fraud means that the liar threatens the court to sue for compensation for liquidated damages, which is sheer nonsense. Don't worry.

Therefore, I would like to remind all netizens not to believe such loan or card information released by various investment and financing guarantee companies and various microfinance companies on the Internet, especially such companies in large and medium-sized cities such as Beijing, Shanghai, Guangzhou, Shenzhen, Hangzhou, Kunming and Fujian, which are basically liar companies! If you are cheated, regardless of the amount, please choose to call the police! Such rampant fraud, please also ask local public security organs to vigorously crack down on rectification!