With the development of Internet, we can spend money on shopping and booking tickets without leaving home. At the same time, the use of credit cards has spread to all aspects of life. It should be noted that the fraud traps created by swindlers using credit cards are also endless, and many people have been victimized. Mr. Liu, a Shanghai citizen, unfortunately encountered such a credit card fraud.
Recently, Mr. Liu's mobile phone received a short message for handling credit cards online. At this time, Mr. Liu happened to have the need to apply for a credit card, so he filled in his personal information according to the steps prompted by SMS.
Soon, Mr. Liu received a phone call claiming to be a credit card processing center. The other party indicated that the credit card that Mr. Liu applied for was already being processed, but if he wanted to apply, he would have to pay the card processing fee in 300 yuan.
At the same time, Mr. Liu received another short message on his mobile phone. Mr. Liu trusted the other party and made 300 yuan money to the designated bank account according to the other party's request.
Later, Mr. Liu successfully received the credit card, but Mr. Liu received many calls from so-called staff. The other party asked Mr. Liu to make transfer payment for reasons such as "annual fee" and "proof of repayment ability".
In order to dispel Mr. Liu's concerns, the other party promised that these expenses would eventually be returned to Mr. Liu's credit card. Mr. Liu trusted the other party again and transferred 9400 yuan to the other party again.
From applying for a credit card to getting it, Mr. Liu did nothing and spent nearly 1000 yuan. The money promised by the swindler was returned to Mr. Liu's credit card, and it was delayed. At this time, Mr. Liu found a strange thing.
Mr. Liu came to the bank for consultation with a credit card. The bank confirmed that this card was forged by criminals. Mr. Liu finally realized that he was cheated, so he immediately called the police.
Liars' deception is escalating, and people with low anti-fraud awareness are very easy to fall into each other's trap. To sum up, credit card fraud is mostly divided into the following categories:
First of all, it is more common to handle large credit card fraud.
Liars spread advertisements that can handle large credit cards by sending short messages and posting advertisements. And promised that the card issuance rate is extremely high. When the victim is unfortunately deceived, the liar will ask the victim for money for various reasons.
Secondly, a notable fraud type is credit card overdue fraud.
Liars obtain personal information such as the victim's bank card number and mobile phone number through illegal channels, and notify the victim that the credit card under his name is overdue by SMS or telephone, which will face very serious consequences. Liars ask victims to provide information such as bank card passwords on the grounds of helping them eliminate bad credit records, which eventually leads to the loss of money for victims.
In addition, credit card withdrawal fraud has also brought property losses to many victims.
Fraudsters illegally collect personal information of victims, claiming to be bank employees, and illegally ask for the victim's bank card number, password, verification code and other information on the grounds of increasing the credit card limit, resulting in the victim's credit card being stolen.
In the face of these pervasive criminals, we must raise our awareness of fraud prevention in order to protect ourselves from infringement.
First of all, when we apply for credit cards, we must apply through formal channels, and don't blindly believe the advertisements of credit cards.
Secondly, when using the network, pay attention to protect your personal information, and don't disclose your ID number and bank card number easily.
In addition, when you receive a phone call or text message from a bank, you should be vigilant and pay attention to distinguishing between true and false. If you can't confirm it at that time, you can go to the bank outlet to verify it yourself.
Finally, if you are really cheated, you must call the police at the first time and pay attention to preserving the evidence.