Anti-fraud: After receiving the phone call, nearly 100000 yuan is gone. ...

Credit card is a good thing, you can swipe it anywhere! Brush! Brush! . Liars are not good things. There are many tricks that can cheat you out of all your money.

With the increasing popularity of credit cards in life, scammers have found opportunities. They take advantage of the cardholder's lack of financial knowledge and eagerness to apply for a large credit card to defraud personal information and money, causing huge losses to their friends.

Recently, Ms. Yan of Jiangmen Xinhui lost nearly 65,438+10,000 yuan because she believed such a phone call, and half of them actually came from credit card overdraft. What means did the liar use?

An unidentified phone call claimed that

You can handle a credit card with a limit of 6.5438 million.

On March 12, Ms. Yan from Xinhui received a phone call asking if she needed to apply for a credit card. Because of the urgent need for capital turnover, Ms. Yan immediately agreed to apply.

If the other party claims to be an agency, it needs to charge a certain card handling agency fee, with the 500 yuan quota of 50,000 yuan, 1 10,000 yuan 1 10,000 yuan. Upon hearing this charging standard, Ms. Yan said that it was acceptable, so she set up a credit card of 654.38+ 10,000 yuan. The other party said it might take two or three days to send the card. Please fill in your personal information first. So, Ms. Yan told the other party the ID number and company address.

On the grounds of "card opening"

Forge identity cards and company addresses

Three days later, this so-called "high credit card" was delivered to Ms. Yan as scheduled. According to the agreement, on March 6, around 10: 30, Ms. Yan used Alipay to transfer the handling fee of 1000 yuan to the so-called "finance" of the other party. According to the transfer records, the receiving account is an individual named "Wu Haiyan".

However, when Ms. Yan later asked if she needed to go to the bank to activate the card in person, the other party said that she only needed to follow their instructions and open the card in a few simple steps. That is, from this moment on, Ms. Yan officially fell into the trap carefully designed by the liar and got deeper and deeper.

Subsequently, Ms. Yan scanned the things provided by the other party, and the mobile phone showed that this card did have a quota of 6.5438+10,000 yuan. The other party began to ask him if he had any deposit or insurance in the bank. Ms. Yan said no, and the other party said, "That will be difficult. To run such a high credit card bank, it is necessary to conduct asset evaluation. "

Claiming that banks should do asset appraisal.

Trick Ms. Yan into remittance

How to do the so-called asset appraisal? It turns out that remittance is "running water". In this regard, Ms. Yan once had a trace of doubt, but soon, the liar dispelled Ms. Yan's doubts with a realistic operation process.

In this way, the swindler made a step-by-step move, asking the victim to send money continuously on the grounds that "the credit card still cannot be activated", and even encouraging Ms. Yan to borrow money from relatives and friends when there was little deposit left. The telephone communication between the two sides lasted for several hours.

At this time, Ms. Yan has remitted 53,000 yuan to the other party. The other party said that she still needs to pay a deposit of 30,000 yuan, and promised that the deposit will be returned to her after the contract is terminated. Ms. Yan believes it and repays it according to the "process". But the so-called "high credit card" has not been activated. Unexpectedly, the next day, Ms. Yan gave the other party 1 0,000 yuan and remitted the other party * * * 94,000 yuan.

After defrauding nearly 654.38 million yuan,

The "customer service" is gone.

In the end, Ms. Yan's credit card was not successfully activated, and even the nearly 6,543,800 yuan transferred out was gone. Only then did she realize that she had been cheated. At present, accompanied by her family, Ms. Yan has called the police in Jiangmen Xinhui for help.

When you encounter telecommunication network fraud

And there are economic losses.

Case 1: Telephone and Internet communication fraud cases.

Features of the case: The suspect communicated with the victim through SMS, telephone and online social software, and induced the victim to transfer money and remit money voluntarily.

In case of such fraud, follow the following procedures after being cheated.

Step 1: Call 1 10.

Call the police at 1 10 at the first time, and inform the police of the bank account number, telephone number and other related information of the liar in detail. If remittance is transferred through third-party payment platforms such as Alipay and WeChat, the account information of third-party payment platforms such as Alipay and WeChat shall be provided in time.

The anti-fraud center will contact banks or third-party payment platforms to quickly freeze the bank accounts and third-party payment accounts of fraudsters. It should be noted that in order to escape the blow, scammers will transfer funds to lower-level cards as quickly as possible, and then withdraw them after multi-layer transfer. Therefore, be sure to call the police at the first time!

Step 2: Cancel the transfer

If the transfer is made by ATM and it is less than 24 hours, you can apply for cancellation of the transfer at the bank counter or telephone banking.

Step 3: Save the evidence.

Organize and save relevant evidence. Among them, one is transfer voucher, including ATM transfer receipt, online banking transfer screenshot, bank running list and so on. The second is the voucher to contact the liar, including screenshots of call records, detailed phone calls, screenshots of chat content, etc. The third is other evidence related to the case.

Step 4: Take notes.

Make records at the local police station in time and provide relevant evidence. These materials are an important basis for the police to carry out investigations and series of cases. After the case is cracked, these materials will also be used as evidence and play an important role in sentencing suspects and recovering stolen money.

Case 2 Trojan Unicom fraud case

Characteristics of the case: The suspect lured the victim to click by sending a Trojan link. After obtaining the victim's relevant information, steal the victim's bank card or account funds in the third-party payment platform.

In the face of this kind of fraud, the response process is basically the same as the first case, except for dialing 1 10, canceling the transfer, saving the evidence and taking notes, there are two points that need special attention.

1. Inquire about counterparty information: Before calling the police, contact the bank in time to inquire about the flow of funds and obtain the bank account information of the fraudster. If the funds of third-party payment platforms such as Alipay and WeChat are stolen, you should contact the customer service of relevant platforms for inquiry. Special attention: contact the inquiry through official channels, and never contact the "customer service" found online, because the other party is likely to be a liar to prevent being cheated twice.

2. Brush the machine: After saving the Trojan link information and relevant evidence, turn off the Trojan virus mobile phone and brush the machine again. Note: instead of restoring the factory settings, go to the mobile phone shop or consult the after-sales service provider to refresh the machine again! And timely modify the passwords of banks and social accounts used in poisoned mobile phones.

The above is the response after the loss.

Let's talk about how to deal with it first, without causing financial losses.

In this case, you should calm down first. As long as the money is not cheated, we are still winners in life. However, in order to bring the swindlers to justice as soon as possible and avoid deceiving others, we need to pay attention to the following points. ...

1, if the mobile phone has been infected with Trojan virus, even if there is no economic loss, it should be refreshed in time! And change the related password. Because although there is no economic loss, Trojan virus has probably stolen all the information in your mobile phone.

2. Provide the public security organs with information about online fraud or even clues about fraudulent recording through 1 10 alarm telephone or other means, and the police will summarize these clues and carry out their work.

3. In addition, don't listen, believe or ignore telecommunication network fraud. Don't click and scan unfamiliar links easily.