Liar: How can it be a scam for applying for credit card withdrawal?丨 "Investment 121"

21st Century Business Herald reporter Bian Wanli intern Zhang Bingqing Beijing reported

Investment goes on the right way, security is guaranteed, welcome to "Investment 121". I am a chestnut editor (never edited "), focusing on financial anti -fraud.

"Dear customers, according to your daily consumption, you have reached the standard of raising permanent fixed quota of the year, if you need to apply for the number XXXXX." If you call back the phone in the text message, maybe you have entered the trap of the scammer.

so, what happened? Today we will use a typical case to reveal the routine of the credit card withdrawal scam to avoid being deceived.

Reveal the credit card withdrawal scam routine

According to the case announced by the referee, Li Shan and Zhang Ziwei and other six people, such as the "credit card withdrawal", performed a fraud case to deceive about 160,000 yuan, and was prosecuted by the procuratorial organs. After hearing the court, it was found that the six -year sentence of six people in the final judgment ranged from a penalty of 20,000 to 10 yuan.

According to Zhang Ziwei's confession, the computer, mobile phone, mobile phone card, telephone box (can plug in mobile phone card, answer phone card), customer information, and money people (also known as the "channel" People) can start making telecommunications fraud.

Among them, the mobile phone card purchased a large number of unreal registered registration from Li Shan; the customer information was issued by the "deputy leader" on the nail software, and several hundred or thousands of them were sent every day. ", A text has 1,000 people's phone numbers, names, ID numbers, bank credit cards.

For these preparations, they entered the process of implementing fraud.

Step 1: SMS.

Zhang Ziwei said, "First connect the mobile phone to the computer, use the computer to open the QQ browser, and use the above SMS multi -function group to send SMS to the bank customers."

The specific process of the fraud is: first insert a customer service phone card in the converter. This card is specially used to answer the phone call back to the deceived person, and then use a phone card to insert a phone card specially used for fraud. On your mobile phone, connect to WIFI, log in to the "SMS" app on your mobile phone, and then connect to WIFI on your computer. Open the "SMS" website on the computer. Log in to the computer on the computer to nail nickname "Deputy Lord". "Material", "Deputy Gang" will send it once a day.

After getting the material, the editor of the SMS sent a text message with the "SMS multiple" website logged in on the computer. If you need to check the number of *** numbers, the customer's name is copied and pasted according to the name of the material.

Step 2: Pretend to be a bank customer service, asking for binding bank accounts and deposit money.

When the deceived person recovered, the scammer first put a recording of a bank customer service phone to deceive the other party's trust. When the other party was transferred to artificial services according to the recording prompts. If the other party "hooks", it means that they need to be handled, and they will ask the victims to deposit a certain amount to the bank as the guarantee guarantee.

Zhang Ziwei said, "The deceived person will call back the fake customer service phone number after receiving the text message. After connecting it, we will put a record of a bank customer service phone call, let the other party transfer to manual services according to the recording prompts, transfer to the manual service, transfer to the transfer, transfer When we arrive in manual services, we use the box that prepare in advance to answer the phone. If the other party says it needs to be handled, it is said that the other party needs to bind the savings card, and the savings card must have money. If there is no money, it will ask the other party to save money. " Regarding the requirements of depositing money, the liar lied to prove the ability to repay.

Step 3: Get the bank card account and password.

Zhang Ziwei said that when the opponent will call again, he uses voice prompts to request the other party to enter the savings card password, and then you can see the other party's bank card password through the app installed on the computer. At this time, contact the "channel" on the nail, send the savings card number and password to the "channel", the "channel" operates the online operation to enter the deceived savings card number and password, and send a verification code to the deceived person Essence The cheated person must verify the code, and then send the verification code to the "channel". The "channel" will tell the "channel" how much money is in the bank card that is cheated to transfer the money inside. Basically change the mobile phone card once a day.

The entire fraud process is completed. It is not difficult to find that the verification code is one of the most critical parts. If the scammer does not get the verification code, it is actually impossible to scam the cheated bank account. Thousands of routines, what should be remembered most is -don't provide bank accounts, passwords, and verification codes at will! Do not provide bank accounts, passwords, and verification codes at will! Do not provide bank accounts, passwords, and verification codes at will!

There are many vests, and regular channels are the most reliable

The initial amount of the credit card is determined by the bank's personal information provided by the bank according to the user's application. However, in daily life, many people will have enough credit cards, and they spend a lot of time and effort to find a way to raise cards.

Enter the "credit card withdrawal" in Baidu, and there are more than 60 million search results. In addition to the diverse methods and experience summary, there are many fraud reports on the grounds of credit card withdrawal.

With the increase of people's consumer demand, frauds in the name of credit cards "fast withdrawal" and "high backup funds" have once again set off a frenzy. The scammers planned the amount of scams by sending scam text messages, pretending to bank staff, etc. to steal the deposit of the victim. Among many "credit cards" fraud cases, scammers fake themselves to disguise themselves and obtain the trust of each other. Sometimes the staff of the agency agency, sometimes the staff of the financing company, and sometimes the bank customer service. The scammers claim that they can help handle the business of increasing the credit card quota.

It seems that the text messages provided by regular banks to provide the quota business may actually be a bait set by scammers. Once you trust, click the link to enter the mobile phone number, ID number, and bank card number in the SMS, this information will be taken by scammers. Soon after, it is found that the card money is stolen.

In fact, it is not only a text message, but also an advertisement that appears in the circle of friends; it may also be a staff member who claims to be a bank enthusiastically called to ask if it needs to increase the quota. "Repayment ability", with another card as a repayment guarantee and other additional requirements. Finally, the traps that the victims in and the so -called guarantee bank cards will be transferred away with similar routines.

In order to persuade the cardholder, the scammers will exaggerate the effectiveness and convenience of handling business, as well as the "failure experience" of the timing of others' missed lift. The public must not be in a hurry, and the SMS, telephone and advertising promotion of credit card service providing credit card service have fallen into the trap of fraud.

Finally, chestnut editor reminded again: the credit card amount should be improved through the regular channels of the bank, and the relevant business shall apply through reliable channels such as the bank's official WeChat and the official website; Click the Link of the Until Unknown URL; in addition to protecting personal information such as names, mobile phone numbers, ID numbers, and bank card numbers, do not easily disclose the SMS verification code to anyone.

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