Suddenly received a text message from the credit card center. Is it fraudulent information?

Many people have received a credit card overdue reminder message from the self-proclaimed "official customer service of the bank", claiming that they will be held accountable and reported to the credit bureau for violating relevant regulations. Banking experts said that this is a typical type of telecom fraud in recent times, and the public should be vigilant. In view of a series of telecom fraud methods, credit card institutions support anti-fraud strategies from two aspects: distinguishing between true and false customer service and capital security.

First of all, the official customer service will not contact the customer by private phone or ask the customer to transfer the funds to the designated account in the name of clearing the account; In addition, on Internet platforms such as WeChat Weibo, official customer service will not contact customers through private accounts and ask for personal sensitive information such as customer's bank account number and password in the name of handling business.

In terms of capital security, it is fraudulent to collect deposits and deposits in advance in the name of eliminating bad credit information, and bad credit information cannot be eliminated artificially. In addition, in the name of abnormal account, it is also one of the common fraud methods to require the funds in the account or bank card to be transferred to the designated safe account. Remember, it is safest to put money in your own account.

Finally, remind users to ignore unofficial calls and don't click on links in short messages at will. These links are likely to capture customers' personal information. At the same time, don't call back directly in SMS, and don't tell others personal privacy information easily. If in doubt, you should contact the official customer service or go to the counter to ask or verify to ensure the safety of your property.

The contents of fraudulent short messages mainly include three types:

The first is to inform the user that the credit card has expired under the guise of "official customer service", and will be held accountable and uploaded to the credit information system. Once a lawsuit is filed in accordance with the relevant regulations, it will be included in the list of people who have lost their trust, which will affect travel and consumption. You need to contact "customer service" as soon as possible.

Second, inform the user that the credit card is suspected of malicious overdraft, and has formally filed a case for review and established a file, and will not accept any out-of-court adjustment in the future. You need to contact customer service as soon as possible to explain the situation;

The third way is to inform users that they can get a substantial interest reduction. Upon expiration, it is deemed as automatic waiver, and it is included in the list of people who have lost their trust, and the qualification for reduction and exemption is permanently cancelled. You need to contact Customer Service as soon as possible.

Bank experts pointed out that the similarity of the three types of short messages lies in that some customers do not understand the credit mechanism and legal common sense to threaten and intimidate, and finally the contact information of "customer service" attached is private mobile phone number. In addition, the number to send SMS is not the official customer service phone number at the beginning of the bank "955 ××××".

Telecommunication fraud related to credit card business includes not only the above three typical fraudulent short messages, but also the verification or updating of customers' personal information, cash withdrawal from credit cards, cash withdrawal from credit cards, credit card points exchange, and clearing bad credit records.