Inexplicably received a short message of arrears from Guangfa Bank.

First, it may be a scam message; Second, someone took your ID card and applied for a credit card.

In addition, we also need to know about related fraud.

Card fraud trick 1: "cash withdrawal SMS" prompts to increase the quota. Generally, cardholders are invited to withdraw money through "bank SMS" or "bank phone". A text message or a phone call looks like the official phone number of the bank, telling you how much the credit card limit can be increased, and then asking you to operate according to his requirements (enter the credit card number, verification code, etc. When you finish typing and realize that you have been cheated, it is usually too late. This scam is one of the scams frequently used every year, and it is also the most gullible scam for cardholders. You should be wary of operations that allow you to enter credit card information. It is recommended to call the bank customer service to inquire about the specific situation, and don't be deceived by the easy operation.

Credit card fraud trick 2: Use the money to go to Dont Ask For Help, and the credit card will be withdrawn in 3 minutes. When something happens and you don't want to borrow money, many people will look for ways to cash out, so a group of people will contact you through various channels and ask if you have the need to cash out. Under good circumstances, they will charge a high handling fee and cash out successfully. In bad cases, they will detain your credit card, indicating that it will take 3-N days to withdraw the cash successfully, and they will use your credit card for other purposes and then return it. Credit card cashing is illegal. If the bank finds out that you are suspected of cashing out, it will not only reduce the quota, but also severely freeze your credit card.

Credit card fraud trick 3: the card is rejected. Please give me a call. With the improvement of credit card application threshold, not everyone can successfully apply for a card, so this scam is mostly aimed at applicants who have failed to apply for a card for a long time or applied for a credit card twice. In fact, the second card is just a gimmick, and there is no such thing as a second card. Even the bank will take 2-4 hours at the earliest, not to mention the statement that it can successfully apply for a card. You must know that only banks are qualified to issue cards. Some platforms apply for credit cards, and the final information is also submitted to the bank, so credit card applicants must keep their eyes open to avoid being cheated again.

Now that we know the tricks of fraud, how should we prevent credit card fraud?

First, handle credit cards through formal channels.

Second, the bank card and identity documents are stored separately to avoid being lost at the same time.

3. Don't tell others the key information of the bank card, such as dynamic verification code, bank card number, expiration date, and the three-digit verification code at the end of the signature column on the back of the card.

Fourth, when operating on ATM, be alert to whether there are redundant cameras, credit card slots or suspicious tips.

5. When spending with a credit card, you should put the card in your sight to prevent it from being replaced or stealing magnetic stripe information during the transaction.

6. When receiving suspicious phone calls, text messages or social software information, don't call the consultation phone provided by them, but call the official customer service phone of the bank for consultation.

The above is the introduction of credit card fraud tricks and how to prevent credit card fraud. In fact, the most important thing to prevent credit card fraud is to raise safety awareness and form a good habit of using credit cards safely. This is an effective way to deal with endless fraud crimes. Since you use a credit card, you should know the situation of using it in time. Don't wait until Guangfa urges you to accept it, then you realize that you have been cheated. Only by finding it as early as possible can we stop the loss in time.