I received a text message saying that my credit card has been frozen due to illegal operations. Is this true or false?

On October 16, 2018, Ms. Lu received a text message showing "85256188XXX" while at work. The content stated that Ms. Lu’s credit card would be frozen due to overdue repayment, and Ms. Lu was asked to contact customer service. Ms. Lu believed it and dialed the number in the text message without much thought. The other party asked Ms. Lu to find a bank card with a deposit of no less than 5,000 yuan and provide the card number to the other party. Later, the other party asked Ms. Lu to send the verification code she received, and Ms. Lu did so. Soon after, Ms. Lu discovered that the money in her bank card had been deducted. After calling the bank's customer service number, she learned that the credit card had not been frozen at all, and she realized that she had been cheated.

The scammer’s fraud steps:

1. The victim will receive text messages from overseas numbers starting with 00852 or 852;

2. Fraud The contents of the text messages were all "Your Everbright Bank credit card has been frozen due to overdue repayment";

3. After learning that "the card has been frozen", the victim called the following number according to the content provided in the text message. "Customer service phone number" starting with 400;

Fourth, the fraud methods are all "two-step" with no technical content. First, kindly inquire the victim's card number and password, and then defraud the victim in a logical manner. Received SMS verification code;

5. By mastering these three essential transfer tools, scammers can easily steal money from the victim’s card.

Scammers work so hard, and we must learn to detect them first.

The Internet Police provides everyone with a must-have guide to preventing fraud

1. When receiving a text message similar to "Credit card frozen", you should verify with the bank's official customer service as soon as possible, or go to Please check with a nearby bank counter for confirmation. Do not contact the phone number given in the text message directly.

2. Do not click on various links in text messages at will, because Trojan viruses may be hidden in them. If you accidentally click on a link, the interface for entering card number and password will appear, and do not enter personal information.

3. Do not disclose personal credit card number, password and other information to strangers at will.

4. Banks and other financial institutions will not ask for the verification code received by the customer's mobile phone. If you encounter a so-called official customer service staff asking for the verification code, you can be directly identified as a fraudster. Once you are deceived, you should call the police as soon as possible.