But don't be too happy after such a "good thing" really happens in real life! There will never be a pie in the sky! This will only be a trap! There are two possibilities for the extra money on your card:
First, someone dialed the wrong account number and accidentally sent it to your card.
when remitting money, the bank staff asks the customer to fill in the remitter's name and account number, and the bank will check the name and account number before remitting money, and there are few mistakes in operation on the counter.
however, there are also mistakes in remittance. For example, if a customer sends money on an ATM machine without checking his name and account, a wrong transfer will occur. Once the transfer error is found, the customer can contact the bank directly to help recover the remittance.
Once the money obtained by this remittance error is misappropriated, it constitutes a crime and belongs to unjust enrichment, and the person who has suffered losses can recover it and must return it; Although the money was caused by the remitter's wrong remittance, and the parties did not get it through improper channels, they subjectively knew that the money did not belong to them and it was illegal to squander it.
Second, a new means of online bank fraud
There is an extra sum of money on the bank card. If I guess correctly, someone will call you right away and say that he gave you the wrong change. Can you transfer it to him?
There is a new type of online fraud. Liars use your personal information to borrow money from loan companies, then transfer it to your account, and then ask you to return it for various reasons.
Be on your guard when you receive such a phone call and a windfall from the sky. It is very likely that your identity information has been leaked and used by criminals for "online loans". If you really transfer the money to the liar, you transfer the money borrowed online to the liar. You think you are a "living Lei Feng" and have done something good. In return, the loan company will desperately ask for money.
if you are not careful, you will not only lose money, but also bear legal responsibility. So in this case, don't transfer money easily, call the police in time and check the situation with the bank.
3. Someone used your bank card to launder money.
this news belongs to this situation. In order to make some quick money, the man in the news lent his bank card to the criminals, but in the end he called the police because the other party changed his mind and didn't get the so-called high reward. Of course, some people have been cheated and lent their bank cards to others, inadvertently becoming accomplices of criminals, so I say here, never lend your bank cards to others.
If the bank card you lend to others is used for money laundering, bribery, bribery and other illegal activities, the lender may be implicated, which may constitute a crime of money laundering, and be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and concurrently or exclusively fined not less than 5% but not more than 2% of the money laundering amount; If the circumstances are serious, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than five percent but not more than twenty percent of the money laundering amount. However, as long as you can prove that you are not involved in these illegal acts and that you are being used, you will not be sentenced.
fourth, what should I do if I encounter a similar situation?
find out the source of the bank's funds. Only by figuring out the source of money can we correctly judge whether the extra money is unjust enrichment, online fraud or routine loan.
If there is suddenly more money in a similar bank account and the other party asks for a refund, you must be calm! Don't operate by yourself, explain the situation directly to the bank or call the police directly.
if you can't judge the nature of the money, or if it is related to online fraud or routine loan, you should call the police in time and let the police investigate it.
In daily life, everyone must pay attention to protecting personal information, and avoid the disclosure of personal information, so as not to be used by criminals for illegal activities.
in case of fraud, please keep complete electronic evidence (such as chat records, text messages, bank account numbers, etc.). ) and call the anti-fraud hotline 9611 for consultation.