Real person short message

The occurrence of credit card fraud usually captures the cardholder's psychology. For example, when the cardholder is eager to increase the credit limit, criminals will design corresponding traps for this, and the parties will unconsciously enter the trap.

This situation is very many. Although many people know the secret, there are always people who are fascinated by the authorities and come to see a real case.

Real case

On June 23, 20 19, Chengmou in Gushao Town reported that his mobile phone had received a short message from/10693834 * * *, which showed that the credit card record was good, and Chengmou was interested in increasing the limit, so he followed the instructions of the other party and entered the website provided by the other party and filled in his name, ID number, password and verification code.

Subsequently, when the mobile phone received the bank card consumption information, Cheng called the customer service phone of CCB for consultation. The bank staff told him that the credit card was stolen, and Mr. Cheng realized that he had been cheated of 9800 yuan.

case analysis

This kind of crime is mainly aimed at credit cards that are in urgent need of money, but have a low credit card limit and slow loan. Criminals use websites, text messages, e-mails, and friends' circles. Claiming that they can apply for high credit cards and lend quickly to induce victims to take the bait, they are now cheating victims into transferring money by charging various fees to implement telecom fraud.

Common types of credit card fraud

First, credit card overdue fraud

The swindler called the victim and lied that the credit card in the victim's name was overdue, threatening the victim. He also believes that the victim defrauded the victim's personal information, credit card number, password and so on. On the grounds of eliminating bad credit information or asking the victim to cooperate with the investigation by the public security organ, the victim is finally defrauded of money.

The second is to act as an agent for large credit cards.

The credit card limit is most easily used as bait, except for withdrawal fraud, that is, handling large credit card fraud on behalf of others.

Liars publish advertisements that can handle large credit cards through various channels, such as posting psoriasis, mass texting, instant messaging software, etc. , claiming that they can handle 65,438+0-500,000 large credit cards, regardless of black and white households.

The routine is that as long as someone wants to apply for a card, the liar will ask you to pay. For example, you need to transfer money to the designated savings card to give the customer a running water. Or a deposit is required. After transferring money, you will find that you can't keep up with each other and you will lose a lot of money for nothing.

Third, credit card withdrawal fraud

The frequency of using credit cards during holidays has increased, and the demand for credit lines has also increased. Banks will invite cardholders to increase the quota from time to time, and some criminals will take this opportunity to cheat.

For example, claiming to be bank customer service, or pretending to be a bank to send short messages, the other party has already known some information of the cardholder in advance, thus dispelling the doubts of the cardholder, and at the same time putting forward the requirement of increasing the quota, thus inducing the cardholder to provide more sensitive information, thus implementing theft.

Remind everyone that if you receive a text message saying that you have raised the amount, you can know whether you have raised the amount by opening the credit card App. Don't believe anything else.

However, credit cards will not be withdrawn more than once a year, and may not be withdrawn once a year. The bank gives you a credit card to withdraw cash completely according to personal information records, and then it will automatically withdraw cash. If you want to apply for withdrawal, you will generally not be approved, so you still need to use a credit card to spend more.

How can we avoid being fooled? First of all, we should do the following:

1. To handle credit cards, you should choose formal channels, such as going to official website, offline outlets and formal third-party platforms for bank cooperation.

2. Telephone calls and short messages related to credit cards should be carefully screened, which can be verified through mobile banking, online banking and bank customer service calls. When the screening is unclear or involves a large amount, you must go to the bank counter to confirm in person to prevent property losses.

3. If you are cheated by accident, please call 1 10 to call the police immediately.