Online tea promotion scam

"Earn thousands of dollars a day without leaving home", "Provide long-term loans, free of charge, no guarantee" and "Recommend stocks, guarantee profits without losing money". Have you received similar cold calls and online advertisements in the past year?

With the popularity of smart phones and mobile Internet, it not only brings convenience to people, but also gives some criminals opportunities to take advantage of. 360 announced the "Top Ten Internet Fraud Techniques" in the "2018 Internet Fraud Trend Research Report" published on January 15.

Speech 1: "Come to my office tomorrow"

Have you ever received a call like, "XXX, come to my office tomorrow"? The person can even call you by your first or last name, but we don't know who they are. If you ask him who he is, he will scold you sternly. "Can't you hear the leader's voice?" Be careful when encountering such calls. Most of them are scammers pretending to be leaders.

Anti-cheating tips:

1) Don’t be afraid when you receive a strange phone call, QQ or WeChat request from a company leader requesting a transfer of funds. You should immediately call the original phone number of the familiar leader for verification, or ask the leader in person for confirmation.

2) In case of being defrauded, the victim must remain calm, call the police as soon as possible and contact the bank to stop the payment urgently to maximize the recovery of losses.

3) Always pay attention to protecting personal information to prevent it from being used by scammers.

Tip 2: "Grandpa's tea is unsaleable. Can you buy some for me?"

The beautiful woman you have been chatting with for a long time suddenly says this to you pitifully, and you still Do you have the heart to refuse? This trick is a "honey trap" used by scammers. This classic cliché comes from the “tea girl” scam popular on various social platforms. Scammers often disguise themselves as beauties and make friends on social platforms, get close to the victim, chat and talk, and then act coquettishly or ask my grandfather to buy tea on the pretext of helping him take care of his teahouse in Wuyishan, Fujian.

Anti-cheating tips:

1) Increase awareness of prevention and be cautious about adding strangers as friends on social platforms.

2) Be wary when encountering money transactions on social platforms.

3) If you find that you have been deceived, you must report the case to the public security agency in time and report it to the Liewang platform.

Anti-cheating tips:

1) No matter what social platform you are on, be careful when adding strange friends;

2) Don’t be deceived by the appearance of strange friends . Both the avatar and the tone of voice can be disguised;

3) If the other party mentions transfer and remittance, for whatever reason, you must firmly refuse whether you listen or not.

Word 4: "If your express delivery is lost, we will double the compensation."

When I emptied the shopping cart for the final e-commerce promotion, I was told that the express delivery was lost. Fortunately, I could "double the compensation." pay". Don't be too happy. In this case, you must go to the e-commerce official website to verify. Beware of scammers pretending to be customer service or courier companies to trick you into logging into phishing websites and steal your account information.

Anti-cheating tips:

1) All calls: "Hello, are you Ms. speech. If you have any questions, you can hang up the phone and contact the official phone number on the shopping website for verification;

2) Regular e-commerce websites do not have the so-called exception handling process or refund process, such as stuck orders and dropped orders. Words like this are also special terms for scams. Refunds can only be processed by clicking Refund on the order interface;

3) Remember the mentality of "I have no money, I am not afraid of being cheated" and beware of fraudsters using personal credit for loans, advances, etc.

4) Fill in the verification code. You must clearly understand the business content of the verification code. If you encounter a verification code for an unknown business, don’t rush to fill it in. You can learn about the business before filling it out.

5) When encountering changes in account funds, please check the fund transactions in detail, and do not blindly believe in words such as making more money, increasing credit limits, recharging, etc.

Article 5 “Free long-term loan, no guarantee”

Everyone is short of money sometimes, but pie in the sky will not fall into the sky. Be careful when someone recommends an unsecured loan to you.

Scammers will claim that a deposit or part of the interest must be paid in advance for a loan, and ask you to apply for a bank card yourself. First do a "corporate capital verification" on your account to prove your repayment ability, and then turn on the phone inquiry function to let him check. In fact, fraudsters will transfer your funds by using the initial password

1) Check the business license. You can check it from the official website of the local industrial and commercial bureau, or you can check it directly at the office address of the loan company.

2) Check the charging time. Regular loan companies only charge after the loan is disbursed. Whether it’s interest or handling fees, anyone who asks for fees before taking out a loan is basically a scammer.

3) Look at the loan cost. If the loan interest rate is more than 4 times that of banks in the same period, it is best not to touch this platform.

4) Check the loan procedures. Don’t say anything else. Being able to get a loan is definitely a lie, and being able to pay money to remove bad credit is also a lie. Generally, formal loan companies will collect personal ID cards, employment certificates, bank statements and other information.

5) Choose formal channels. Do not disclose personal information such as bank cards, passwords, and mobile phone verification codes to strangers. You should choose formal channels for loans, discuss with your family, and don't trust others.

Remark 6: “Your bank account is suspected of money laundering”

On the other end of the phone, fraudsters pretending to be public prosecutors and operators first used “money laundering” and “sending fraudulent information.” Wait for the words to fool you. If you don’t believe it, the scammers can even send you proof of identity, official letters, etc. Once they scare you, they will trick you into transferring the money in your account to a "custodial account" for "review."

Anti-cheating tips:

1) As the law enforcement department of the government, the public security organs will never use the phone to investigate so-called cases and other issues, nor will there be any communication between the public security organs and other departments. Talk to each other on the phone, don't trust secret cases, and trust others alone.

2) There is no so-called "safety account" in departments such as public security, procuratorate, and law. Please do not trust anyone who asks you to make a bank transfer or send money.

3) Using technical means, criminals can simulate various phone numbers. When receiving a call like this, be sure to remain calm and collected. When it comes to transferring money, hang up immediately.

4) Arrest warrants and the like will never be sent in the form of pictures, links, etc.

Lesson 7: "Teach everyone a way to make XX yuan a day online. You can do part-time jobs at home with your mobile phone."

Be careful when looking for online part-time jobs. Be careful not to make any money but get kicked out. Cheated. There are many kinds of "online part-time jobs", but making money is not that easy. When looking for a part-time job, you should go to formal recruitment websites and do not easily disclose personal information online. Don't engage in illegal part-time jobs, otherwise you will not only be easily deceived, but you may also commit a crime.

Tips to prevent fraud:

1) All jobs that claim to have low technical barriers to entry, easy work and quick money are all scams.

2) Don’t believe the so-called membership fees, audit fees and other fees. If you need to pay such fees in part-time work, most of them are scams.

4) If you find that you have been fooled, please stop subsequent transactions in time to avoid losing more money.

Word 8: "Your WeChat requires a second real-name authentication"

Anti-fraud tips:

(1) Identity verification does not require binding For bank cards, WeChat currently does not carry out the so-called “secondary real-name authentication”.

(2) Be sure not to click on website URLs from unknown sources, and do not fill in personal information such as social account passwords, mobile phone verification codes, bank card account passwords, etc.

(3) In order to confuse the public, criminals often change the avatar and nickname to be similar to the official account. Please click on the detailed information to view it and be careful to distinguish the authenticity.

(4) Criminals will pretend to be official short numbers and send text messages. When receiving questionable messages, you should first call the official customer service number for verification.

Word 9: "Recommend stocks, and you will definitely make money without losing money."

The stock market is ups and downs, and some immature retail investors are accustomed to counting on so-called "insider" information to make them rich overnight. Make big money in the stock market.

If someone told you that if you listen to his or her stock recommendation, you can buy it today and make money tomorrow, would you be moved? Then pay the membership fee and join the QQ group and WeChat group. The stocks recommended to you are not going up? Scammers will tell you to continue paying the membership fee and upgrade to a premium membership before they can recommend you higher-yield ones.

Tips to prevent fraud:

1) Stock investment itself is risky. Don’t believe in the myth of “getting rich overnight”, invest cautiously and be vigilant.

2) Do not randomly join various QQ groups, WeChat groups, etc. related to recommended stocks and insider information.

3) When you see some so-called profit screenshots and inside information, no matter how rhetorical the scammers are, you must stay calm and rational to prevent falling into the trap and suffering financial losses.

Word 10: "Selling game coins at low prices"

Be careful when you see this kind of good thing! The popularity of many large-scale online games has attracted a large number of players, and most games require Players purchase equipment or virtual currency. Game currency scams also emerged. The fraud gang first lures game players to buy game coins at low prices. After the players take the bait, they then use various reasons such as the need to open a VIP, the funds are frozen and need to be unfrozen, and the bank card number was entered incorrectly when registering the account. They gradually trick the game players and defraud them of their money. , to formulate the crime procedure of "asking you to enter the urn".

Tips to prevent fraud:

1) Don’t believe in pie-in-the-sky and be fooled by the pretense of “selling at a low price” or “acquiring at a high price”.

(Yixiao) Related Q&A: The formal bank mortgage loan process and application conditions can be used as a house mortgage loan. Generally, the loan can be loaned for 70% to 20 years. If you go to a bank to apply for a loan, the information you need to provide is: (1) ID card (including ID card, military ID, household registration book, temporary residence permit, etc.); (2) Spouse’s ID card ( Including ID card, military ID, household registration book, temporary residence permit, etc.); (3) Proof of income (format designated by the bank) and income statement; (4) Marriage certificate (marriage certificate, single certificate, divorce certificate or divorce judgment); (5) Copy of the unit’s business license (stamped with the unit’s official seal) (6) Educational certificate (college degree or above) (7) House ownership certificate (8) Proof of loan purpose The loan process is: ◆ The borrower applies and submits relevant information ◆ Proceed Real estate evaluation, pre-loan investigation, approval ◆ After approval, go through the mortgage registration procedures ◆ Loan is issued, the borrower repays the loan principal and interest regularly according to the contract ◆ The loan principal and interest are settled, and the mortgage withdrawal procedures are completed. If you are really in a hurry, you can find a private loan, but The interest rate will be higher, or you can consult several banks and intermediaries. They will tell you the specific process, but be cautious. Don’t pay any fees until you get the money. Related questions and answers: Is it true that rural credit cooperatives provide free loans? Of?

It is true that rural credit cooperatives provide free loans. And the benefits are very affordable. Maybe you don’t even dare to think about it after hearing this. Now let’s talk about the good things about free loans.

In 2017, several staff members from the county’s rural credit cooperatives came to our village and said that they would provide free loans to rural people to develop production and become rich as soon as possible. But the prerequisite is that they must be from poor households and cannot be older than 60 years old.

The village notified the poor households to fill out a form at the village committee to apply for a loan, but no one in the village was willing to get a loan. They all shook their heads and did not understand the loan. The reason is very simple. We are poor households ourselves. Money, give us a loan. We don’t dare to ask for anything with a long tail. The interest on growing some food is not enough to repay it, so the words "no loan" came out of my mouth. Then all the poor households were angry and walked away. The first attempt to mobilize loans to poor households ended in vain.

The power of the government is great. The first credit union clerk loan was not approved. We invited people from the town government to do ideological work for poor households and provide them with loans.

Since it is a loan, there must be a guarantor. The town government officials explained that the town government is the guarantor. What are you afraid of? The loan can be used to develop production. If you don't have a good project, you can also invest in a local company to get dividends at the end of the year. The dividend is 1,000 yuan for every 10,000 yuan every year. Each poor household under the age of 60 can get a loan of up to 50,000 yuan. .

In this way, each poor household can receive a dividend of 5,000 yuan at the end of the year. It’s also a lot of income.

Poor households still feel uneasy and wonder whether they will be able to get money through year-end dividends. Filling out the form and signing the form in a state of hesitation and fear. The staff of the credit union finally completed the task and breathed a sigh of relief.

Unexpectedly, the end of the year has arrived, and the village committee notified all poor households who took out loans to provide their ID numbers and farmers' "all-in-one card" and said that bonus money would be added to the card. The hearts of the poor households who took out loans finally settled down. The good news of pie-in-the-sky finally hit the heads of poor households. Such a good thing has been paying dividends for three consecutive years. It was originally stipulated that dividends should be paid out for five years and there are still two years left to expire. Are you saying this is not true?

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