Six measures against personal and property fraud at the end of the year

Trick 1

Modify the card slot to cheat the card

Incident: The reason why Mr. Sun mentioned above was worried about the use of bank cards was that half a year ago, when Mr. Sun ’s bank card was withdrawn at the ATM, the card was suddenly swallowed, so Mr. Sun posted it next to the ATM The service consultation number on the small note was called, and the so-called "bank staff" immediately answered it. The "staff" asked the cash machine address, card number and password in detail, and then hung up the phone. The next day, when Mr. Sun took his ID card to the bank to collect the card, he was told that the bank card was not in the machine, and the balance in the card was already 5,000 yuan less.

With the help of bank staff, Mr. Sun found through surveillance video that night that after leaving, two thin men entered the self-service area, and they put a special iron hook into the slot of the ATM machine. , Took out a card, and then they changed a cash machine, inserted the bank card, and then entered the password, and took out 5,000 yuan in three times. The two also took the bank card away when they left the self-service area, it seems to be to continue to take away 5,000 yuan when the next day arrives. With the help of public security organs, the two scammers quickly fell into the French Open.

Expert reminds: Now that the methods of scammers are becoming more and more sophisticated, so cardholders should pay attention to observe whether the color of the card slot is different from other parts of the ATM machine, and if there are signs of modification, if there are any, The bank should be notified immediately to process. In addition, pay special attention to the small note posted on the cash machine. If there is a problem, it is best to call the bank service phone number that appears on the screen of the ATM.

Deception 2

"Phishing" is quite popular

Event: Xiaochai intends to take the postgraduate entrance exam this year, but he ca n’t afford any of the important review materials. After posting a help-seeking post in an online forum, someone quickly replied that the book was on sale. According to the URL sent by the other party, Xiaochai saw a service called "collect payment" after opening the website. She immediately followed the relevant prompts on the website. After entering the bank card number and password, the little sister in the same dormitory as Xiaochai immediately reminded her that she had seen many cases of fraudulent account and password fraud through the Internet. After observing the website, it was found that the production of the website was quite rough, so I immediately closed the page and canceled the transaction.

Expert reminds: "phishing" is a popular online scam in recent years. With the development of online shopping, many people will buy their favorite items through various websites, so some scammers falsify the website to fool User's financial information, such as card number, password, etc., and then steal bank card deposits.

In addition, some people will send emails, pictures, files, etc. carrying Trojan viruses via the Internet. Once downloaded and installed by someone who does not know the truth, the Trojan program will automatically run, stealing bank card account numbers, passwords and other information.

Therefore, when doing online shopping, you should choose the website you are familiar with for transactions, and install firewalls and anti-virus software on your computer, and regularly update and upgrade. For some shopping information received in the mailbox, don't click on it easily to avoid being fooled. Bank cards used in online shopping should be promptly inquired about their consumption records, and if they encounter any abnormalities, they should immediately check with the bank.

Trick 3

Divert your attention

Incident: Aunt Liu ’s son works in a foreign country and sends a considerable amount of money to Aunt Liu ’s bank card every month. One day, Aunt Liu ’s wife is ill and needs to be hospitalized, and Aunt Liu rushes to the bank to get it. There are too many people queuing in the bank. Aunt Liu simply picks up at the ATM machine at the door, inserts the card, enters the password, enters the withdrawal amount, and takes the money. Just when Aunt Liu wants to take the bank card, he has stood by A two-year-old girl, Lala Aunt Liu, said: "Grandma, you have lost your stuff." Aunt Liu looked back immediately and found nothing. When she looked back, she found that the bank card had been returned to the slot. Aunt Liu didn't look at it, took out the card and left.

When Aunt Liu came to withdraw money the next day, she found that the password was wrong. After inquiry by the bank staff, Aunt Liu knew that her bank card was transferred.

Expert reminds: Nowadays, some people use the psychology that people do not take precautions against women and children to adjust the cardholder's card. Therefore, when withdrawing money from the ATM, pay attention to the people around you, and don't let strangers be too close to you. Banks have a "1 meter line" when handling financial services. Then, when withdrawing money from an ATM machine, you must also set a "1 meter line" range yourself, so as not to give criminals an opportunity. Sign your name in the blank space on the back of the card. After each withdrawal, withdraw from the card, check whether the card is yours.

Deception 4

"Access trap" needs to beware

Event: Miss Jin went to the self-service bank to withdraw money at night. When she took out her bank card and swiped the card on the access control system as usual, the door did not move at all. While in doubt, Miss Jin found that there was an additional password keyboard in the place where the card was swiped. So Miss Jin called her husband working in the bank and asked if it was an access control upgrade. As soon as her husband heard it, she told her that it was a new type of fraud. Criminals learned the cardholder ’s card information by adding a password keyboard and placing a pinhole camera around the keyboard. So Miss Jin immediately changed the bank.

Expert reminds: At present, all self-service bank access control systems do not require passwords. Cardholders should carefully pay attention to whether the access control has any signs of modification when swiping the card into the access control system, and cover the card number with their hands to prevent sneak shots . If an abnormal situation occurs, you should call the bank immediately and ask for help 110.

Fraud 5

SMS scams are common

Event: In November last year, Xiao Zhou, who was working in an office building, received a text message. The text of the text was roughly that the bank informed you that your bank card was overdrawn in a shopping mall on a certain day. Dial a phone number to repay within the day, otherwise a late fee will be paid. Xiao Zhou thought about it carefully, but he couldn't think of the things he once consumed in a shopping mall. With a curious mind, Xiao Zhou called back according to the number sent by SMS, but found that it was an empty number. After dialing according to the phone number in the text message, a lady who answered the phone told him that the card was stolen and told him to call another department to upgrade the card. According to the prompt, Xiao Zhou called the so-called "Banking Regulatory Department" phone, the other party asked him to find an ATM machine to transfer the money. After hanging up the phone, Xiao Zhou called the bank's service phone and learned that it was A scam.

Expert reminder: The tricks of SMS scams are common, but some people will still be fooled. Usually, these criminals will send text messages to cardholders in the name of banks or UnionPay, falsely claim that their bank cards have been consumed somewhere, or the information of bank cards is leaked, and guide cardholders to call the designated phone number to transfer money . For this method of fraud, cardholders should first understand the banking service phone number of the card they hold, and do n’t believe the prompt message sent by an unfamiliar number. Second, do not respond to unfamiliar voice calls and text messages, and protect your card information, and do not disclose it to anyone.

Fraud 6

"High Overdraft" tempts you to apply for a card

Incident: In order to expand the scale of the factory, Mr. Shen has chosen an address in Yuyao recently, and is planning to open another factory, but recently he was a little tight, and he did not have enough working capital to buy machinery. According to news, as long as you pay a few thousand yuan, you can get a credit card with overdraft of 100,000 yuan. Before it was too late to tell the truth, Mr. Shen immediately contacted the publisher of the news by phone. When Mr. Shen paid a few thousand yuan according to the agreement, the card that could be overdrawn by 100,000 yuan was never obtained. , And the staff who had eagerly contacted him disappeared, and Mr. Shen realized that he was fooled.

Expert reminds: There are indeed some illegal intermediary companies, using people's psychological need to use money to lie that the company can get a high-credit bank card to defraud the handling fee. Therefore, in order to prevent fraud, if you need to apply for a credit card, you can go directly to the bank counter and do not entrust an illegal intermediary agency. In addition, protect your personal credit and do not aim at malicious overdraft. Otherwise, if you turn to the bank for money in the future, the bank will refuse with your bad credit.