ICBC suddenly sent me a short message saying that I had a debit card, but I didn't do it. What happened?

In this case, we must be careful to avoid being cheated by telecommunications.

First of all, we need to determine whether this short message really comes from ICBC. The customer service telephone number of ICBC is 95588.

Secondly, make sure whether this debit card is really handled in your name. You can log on to the online bank or call the bank to inquire.

If it's really your name, you need to check whether your ID card has been lost, and then get your personal ID card ready to return it.

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Debit card refers to the bank card issued by the issuing bank to the cardholder without credit limit, and the cardholder deposits first and then uses it.

Debit cards are divided into transfer cards, special cards and stored value cards according to different functions. Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption. A Special card is a debit card that is used in a specific area and has a specific purpose (except for department stores, restaurants and entertainment industries), and has the functions of transferring money and depositing and withdrawing cash. Stored value card is a prepaid wallet debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and directly deducts money from the card during the transaction. [ 1]

From August 1 2007, the annual management fee for bank cards was cancelled, and some basic financial service charges of commercial banks were suspended.

Telecom fraud refers to the criminal act of fabricating false information and setting up a scam by telephone, internet, SMS, etc., to induce victims to make money or transfer money in a long-distance and non-contact way. Usually, the purpose of cheating is achieved by impersonating others and forging various legal coats and forms, such as impersonating public security law, commercial company manufacturers, state organ staff, bank staff and other institutions, forging and impersonating recruitment, marriage, loans, winning prizes and so on.

2065438+On September 6th, 2006,360 released the first telecom fraud analysis report based on big data research in China. The Report comprehensively interprets rampant telecom fraud from the perspectives of the overall situation of fraudulent phone calls, types of fraudulent phone calls, types and attribution of fraudulent phone calls, analysis of fraudulent phone calls and target areas, time characteristics of fraudulent phone calls, geographical ranking of telecom fraud discrimination, and dismantling of typical telecom fraud cases, so as to help the public comprehensively improve their awareness and ability to defend against telecom fraud.

From August 2065438 to August 2006, in just one month, 360 mobile guards intercepted 3.43 billion harassing calls, with an average of about 1. 1 1 billion times a day. Among them, * * * intercepted fraudulent calls for 4.45 times, accounting for 13.0% of the total number of harassing calls intercepted in that month, and intercepted fraudulent calls for about143,500 times a day on average. Considering the serious consequences that fraudulent phone calls may bring to users, such as economic losses, fraudulent phone calls have obviously become the most harmful type of harassing calls.

Among all fraudulent calls received by users, false financial fraud accounts for the most, accounting for 43.2%, especially in big cities such as Beijing, Guangzhou and Shenzhen. Followed by identity fraud, accounting for 2 1.6%. The sum of the two types of fraud accounts for 64.8%.

Among the identity impersonation frauds, the number of frauds impersonating telecom operators is the largest, accounting for 30.3%; Followed by pretending to be a leader, accounting for 24.7%; Ranked third is pretending to be a medical insurance social security institution, accounting for 14.6%.

Among the number sources of fraudulent calls, the number of fraudulent calls from fixed telephones is the largest, accounting for 56.0% of all fraudulent calls; Followed by 400/800 telephones, accounting for 27.1%; Fraudulent calls made by mobile phones account for15.4% of all fraudulent calls; In addition, 1.2% of fraudulent calls came from overseas. It can be seen that fixed telephones and 400/800 numbers should be the key targets of fraudulent telephone governance.

2065438+September 2006, the Ministry of Public Security and the China Banking Regulatory Commission formulated "Several Provisions on the Return of Frozen Funds in New-type Criminal Cases of Telecommunication Network" (hereinafter referred to as "Regulations"), which was officially promulgated and implemented. The "Regulations" clarify that the principle of freezing telecom fraud funds is to return to the source, and public security organs can distinguish three different situations.