Travel articles: air ticket and train ticket change? Fake!
The flight was cancelled? Exchange or refund and compensation? There is even a full-time customer service to deal with it. The service of this airline is excellent! Don't worry about your good luck. This phone call is embarrassing. Open the regular booking APP or official website to confirm whether the flight is really cancelled.
Deception means
The criminals use the excuse of "cancellation of flights and trains due to epidemic control or failure, and compensation can be obtained for returning and changing the visa" or "compensation for detention due to epidemic express delivery" to induce victims to click on fake websites, ask for verification codes and other information, and steal funds from the victim's bank card.
The correct way: First, verify the authenticity of the information. Call the official phone of the airline to verify the situation. Don't call the phone in the SMS, or directly log in to the regular booking APP for inquiry. If the airline plane can't take off for some reason, it will also send short messages to the booking customers, but customers are not allowed to conduct any transactions involving money through online banking and Alipay.
Second: if the flight is delayed or cancelled due to non-passenger reasons, there is no charge for returning and changing the ticket.
Third: Reject all transfer requests on the phone.
Fourth: the ticket purchase operation will be carried out through official websites, official customer service telephones, ticket outlets and other formal channels, so as to avoid clicking on phishing ticket purchase websites or fake apps, causing economic losses.
Campus article: provide funding? Fake!
I received a phone call from a self-proclaimed staff member of the education department, saying that there was a financial aid for poor students, and the money had been transferred to the bank, asking you to go to the bank to transfer money through ATM. In the process of transferring money, you cheat money on the grounds of paying relevant fees.
Deception means
Pretending to be the staff of civil affairs, education bureau and other units, calling and sending text messages to the victims, falsely claiming that they can receive grants, asking them to provide bank card numbers, and then instructing them to operate and transfer money on ATM machines on the grounds of inquiring about accounts.
Correct approach
If you are a student with financial difficulties, don't worry. At present, China has established a perfect student financial aid policy system, which can solve all your problems from enrollment to completion of your studies. Tuition and accommodation fees are paid by the national student loan policy. After you get the university admission notice, you can apply to the local student financial assistance management institution for a student-origin credit loan to pay tuition and accommodation fees, and the interest during your stay at school will be paid to the bank by the state on your behalf. Don't worry if you have difficulties in living expenses. You can apply for different funding methods according to your own situation, such as applying for national inspirational scholarships, state grants, work-study programs, etc. In addition, colleges and universities all over the country have opened "green channels" for freshmen, and students with financial difficulties can go through the admission procedures through the "green channels" even if their tuition fees are not raised. Freshmen with particularly poor family finances in the central and western regions can also apply to the local education department for funding projects for freshmen's enrollment, which can be used for travel expenses and short-term living expenses before enrollment.
If you have any questions in the process, students and parents can also inquire about the national student financial aid policy and relevant regulations in official website (see below), or call the hotline of the National Student Financial Aid Management Center at 0/kloc-0-66097980 and 66096590 for consultation.
Life: Cancel the campus loan? Fake!
At a time when social credit reporting is getting more and more attention. Every time I hear the words "loan", "line" and "credit", it makes people nervous. Many college students with insufficient social experience have avoided "campus loans", but they have not avoided "canceling campus loans".
Deception means
There are two kinds of fraud methods for campus loan cancellation: one is aimed at people who have registered online loan platform accounts or loan records-the liar claims that "it is necessary to cooperate with the cancellation of accounts in accordance with relevant national policies, otherwise personal credit information will be affected". One is for unregistered online loan platform accounts or no loan records-the scammer said that "your identity information has been stolen and registered online loan accounts, and you need to cooperate with the cancellation, otherwise your personal credit information will be affected".
This kind of fraud routine is mainly divided into several steps: 1. Pretending to be "customer service of loan platform", a liar can accurately tell the victim's real name, ID number, school name and even consumption records, so as to gain the trust of the victim and then commit fraud. 2. Make up excuses to make you panic. Taking advantage of the victim's fear that "online lending will affect credit reporting", fraudsters tricked the victim into "clearing the credit line" on the grounds that "the cancellation of online lending accounts requires clearing the credit line first"-that is, going to major online lending platforms to cancel all loan lines. 3. After the transfer is received, it will be blacked out. The scammer claims that "the online loan will be returned in full after cancellation", tricking the victim into transferring all the loans extracted from the online loan platform to the "inventory account" provided by him (that is, the scammer's personal account). After the victim transfers money, the liar will blacken the victim.
Correct approach
First, you should be calm and alert when receiving such calls, because there is no operation to cancel the online loan account. As long as you pay off the loan on time, it will not affect your personal credit information. Remember that personal credit information cannot be artificially modified.
Second: If you have any questions, you should log on to the official platform or consult the official customer service.
Third: once you are cheated, you should keep the relevant materials and call the police immediately.
Part-time article: brush a bill? How much is the rent Fake!
The wonderful college life began. For the first time, some people have mastered the control of a large amount of living expenses, and it is inevitable that they will not calculate. What should I do if the living expenses exceed? These part-time advertisements look very attractive.
The part-time job mode is simple (as long as you have a smart phone or a computer), the working hours are free (a little leisure time every day), and the most important thing is to get the account quickly, with low pay and high return! Isn't it exciting? Note: swiping a credit card is telecom fraud!
Deception means
Liars usually ask victims to remit money to their bank accounts on the grounds that they need to pay the principal in advance or collect a deposit to join the brushing team in some apps. After receiving the money, they delete the contact information of the victims and disappear.
Correct approach
Calling 1 10 for the first time. In the process of handling telecom fraud cases, the first thing the public security organs face is to race with swindlers. The sooner the victim reports to the police and feeds back effective information, the more he can recover economic losses in time. Provide valid information. First of all, state your name, ID number and mobile phone number. If you transfer money by bank card, you should inform the police in detail of the other party's name, card number and transfer time. If you transfer money and remit money through third-party payment platforms such as Alipay and WeChat, you should provide your account information on third-party payment platforms such as Alipay and WeChat in time.
I avoided the "part-time billing" and saw an advertisement: renting a WeChat or QQ number that everyone can register, giving money for nothing, and the rental fee is not low. But the requirement is very simple: use a "live number" for a certain period of time, have a certain number of friends, and promise "just modify the avatar and name, don't send any messages, just add a group or vote for praise, and it won't have any impact on the original users."
In fact, just like buying and selling "bank cards" and "mobile phone cards", these rented "micro signals" and "QQ numbers" have become one of the "micro signals" and "QQ numbers" that fraudsters can't use up. Liars may use the rented account to complete malicious acts such as "junk marketing" or "spreading bad information", endangering the network environment; It is also possible to use this account to defraud others; Or drain the "gambling platform" and "pornographic websites" through accounts. "Renting personal accounts" is essentially a trap laid by the network black and gray industry in order to commit illegal crimes and escape the supervision and tracking of ordinary users. Not only may personal accounts be stolen and blocked, but it will also greatly harm others and even the whole cyberspace!
Therefore, remember that in the process of finding a part-time job, you should be vigilant when you see any information like "renting and selling WeChat", "renting QQ number" and "borrowing ID card", and don't be confused by some petty profits. Many criminals not only covet the money in students' hands, but also grasp the urgency of parents' love for their children and put their hands into adults' pockets.
First, payment fraud
Deception means
As a school teacher, the swindler asks parents to transfer the tuition fees of this semester to the school financial account (that is, the swindler's personal account) as soon as possible, and claims that if the fees are not paid in time, the normal study and life of students will be affected.
Correct approach
In this case, don't blindly believe, contact your child by phone or other contact methods in time to ensure that the information is true.
Second, lie about the child's hospitalization fraud.
Deception means
The swindler called the parents of the students as the teacher of the school guidance office, falsely claiming that the child had just arrived at school, was unwell and needed to remit medical expenses urgently. In the panic of his parents, he lured the victim to transfer money to the bank.
The right way.
When you receive a similar call, you should stay calm, contact the school or hospital for confirmation first, and don't remit money easily.
Third, all kinds of SMS fraud
Deception means
This is a universal template for six kinds of SMS fraud. Parents should keep their eyes open and don't be fooled easily!
1. Check the schedule: Hello, xx parents! Please click on the link to receive your child's curriculum. (with links to fraudulent websites)
2. Check out a letter to your parents: Hello, xx parents! School is about to start. This is the school's evaluation of students' performance last semester and an open letter from the school to parents. (with links to fraudulent websites)
3. Check the family information: xx parents, this is your child's family information. The superior decided that the student information must be stored in the warehouse. Please check and download before you can see it. (with links to fraudulent websites)
4. Check the test scores: xx parents, your child's school test scores and score data last semester need to be downloaded and activated to check. (with links to fraudulent websites)
5. Check the child's experience results: Hello, xx parents, this is the physical examination result of your child this school year, please pay attention. (with links to fraudulent websites)
6. Tuition fee remission: Parents, in order to reduce the burden on students' families, the tuition fee remission policy is implemented, and some miscellaneous fees are now refunded. Please call 700xxxxx, contact: Teacher X (with link to fraudulent website)
Correct way: Please confirm with the school or children as soon as possible after receiving the above information. Don't remit money easily or click on unknown links to prevent property damage or personal information from being stolen.