In daily life, we can often see such small advertisements, claiming to handle large credit cards with little information, no risk and high quota. Obviously, this informal channel to handle credit cards is basically a scam, and everyone is easily used by criminals who pretend to be insiders of banks. Next, let me sort out what big credit card scams you must know ~

1, swiping credit cards in the name of handling cards.

In real life, you will probably get a phone call from others, pretending that you can apply for a large credit card, and then recommend you a card with a limit of 200,000, but you should provide your own credit card information, including credit, card validity period and security check code. At this time, you should remind yourself, but any key information related to the privacy of your own funds must not be easily leaked to others. In fact, after you provide the information to the other party, you will probably receive a short message informing you that your credit card has been stolen and a large sum of money has been swiped.

2. Charge a high handling fee to the fake card.

Another situation is that when you are in urgent need of cash, someone calls you and says that you can apply for a large credit card and get it done within half a month. It also claims that you don't need to provide application materials, including work certificates and personal credit information. Just tell me your ID number and mobile phone number, and it will let you see the successful cases in your WeChat circle of friends, thus dispelling your doubts. When you are in a heartbeat, I told you to charge 20% commission. It is possible that you transfer money immediately when you are in a hurry to get a card, and then the other party will charge a handling fee of nearly 10 thousand yuan on the grounds of dredging the relationship. After waiting for several months, the other party may give you a fake credit card, and you will find yourself blacked out by the other party.

3. Stealing credit card personal information

In fact, some liars are secretive. First, they try their best to collect your personal information, match some false asset certificates, apply for a credit card in your name, and then steal all the credit lines. Or, you use your identity information to apply for loans on various loan platforms, and then you don't change money after the deadline. The resulting overdue records all appear in your personal credit report, and the liar himself successfully avoided this risk. This situation is really hard to say. I can't get a credit card myself, but I have to bear a lot of debts for others. What is even more frightening is that some criminals will use your identity information for some illegal transactions.

Everyone needs to have a common sense of handling cards. The handling of credit cards is determined by your personal credit information and income. In the formal card processing process, applicants do not have to pay any fees, even if they need money urgently, they should choose formal channels to handle cards. In the previous credit card fraud, the swindler used your unfamiliarity with the card-handling process and wanted to get a high credit card, weaving false information to trick you.

Finally, I would like to remind you that the emergence of large credit cards will only occur if you have both a house and a car, a fixed deposit in the bank and a high credit rating. So, don't trust others to apply for high-value credit cards. After all, banks are not philanthropists and there is no such thing as a free lunch.

Is it credible to apply for credit card advertisements in WeChat? Attention recognition

With WeChat becoming the main communication, social and payment tool, the business opportunities are also obvious. WeChat business is everywhere in the circle of friends, selling everything! So, is it credible to apply for a credit card advertisement in WeChat? Let's talk to you today.

First of all, all advertisements with the slogan of "handling large credit cards" are not credible.

Every credit card needs to be strictly examined by the bank before it can be issued, and the bank has not authorized any platform to issue credit cards. At most, some intermediate platforms are authorized to provide card application platforms, such as Alipay, WeChat and QQ.

If there are similar advertisements in your WeChat circle of friends, such as "You only need your ID card to get a large credit card", then you should be wary. This is either cheating information or cheating fees.

In addition, if you introduce an acquaintance and the bank card handler via WeChat, the card handling information you receive is credible, but only if you can guarantee that he is the bank card handler.

Finally, I will introduce you to a WeChat credit card application platform. Fill in the information online, just wait for the card. The specific application path is as follows:

Personal WeChat-Mining-Wallet-Credit Card Repayment-Credit Card Free Processing.

Wechat can apply for a limited number of credit cards. China Merchants Bank, Minsheng Bank, China Guangfa Bank, Industrial and Commercial Bank, China CITIC Bank, Shanghai Pudong Development Bank, Bank of Communications, China Bank, Ping An Bank, Industrial Bank and China Everbright Bank each have three popular cards to apply for.

All in all, the application for credit card advertisements in WeChat is not credible and needs to be identified by yourself. Handling a credit card is definitely a scam. Don't be cheated.

Typical credit card (debit card) methods are here, please read them carefully!

Credit card (debit card) is a good thing, after all, the mood is destined for three minutes, and seven points depend on shopping; ; Liars are not good things. There are so many tricks to cheat money! road

Credit cards (debit cards) are becoming more and more popular in life, but at the same time, scammers have also found opportunities. They take advantage of the cardholder's lack of financial knowledge and eagerness to apply for a large credit card (credit card) to defraud personal identity information and money, which has caused great losses to their friends.

In order to help you reduce your losses, we have specially arranged several typical credit card (debit card) methods, please read them carefully!

Act as a credit card (debit card) scam

Credit card (debit card) is a kind of financial product issued by a bank, which can only be handled by myself through a bank or an authentic channel authorized by the bank. Because credit card (debit card) application has a certain threshold, for those users with poor credit information, it is basically a direct second refusal. So there are many institutions or individuals dealing with credit cards (debit cards) in the market. When the other party defrauds the cardholder's personal identity information and card handling fee, it disappears immediately.

Looking for someone to apply for a credit card (debit card) almost lost 10 thousand yuan

Xiao Wu needs money urgently and wants to apply for a large credit card (debit card) with a target amount of not less than 100000 yuan. However, he has neither a real job nor a real estate or a car. It is estimated that 99% banks will refuse to apply for a credit card (debit card) according to this condition. He searched the internet for information to see if anyone offered credit card (debit card) agency services.

He was soon told that he could apply for a credit card (debit card) with a line of 100000 as long as he provided his personal ID card and 500 yuan's information fee. Xiao Wu felt that 500 yuan was not much, so he quickly did as the other party asked. In less than a week, Xiao Wu received the other party's credit card (debit card). Xiao Wu opened the card according to the prompt, but he couldn't activate the credit card (debit card) anyway.

He contacted the other party again, and the other party said that 500 yuan was only a data packaging fee. If you want to activate this credit card (debit card) with a line of 100000, you need to pay an additional deposit of 6%. For Xiao Wu who is in urgent need of money, 6000 yuan may be his income for two or three months. Xiao Wu thought for a long time and gave up. Later, I realized that it was a scam. Fortunately, we only lost 500 yuan. If you really trust each other, thousands of dollars will be gone, and 100000' s credit card is simply a fake card.

Credit card (debit card) increases the amount of fraud

Many people need to apply for large credit cards (debit cards) because of their high consumption expenditure, and the credit cards (credit cards) on hand are not enough. It is difficult and slow for banks to increase the quota, so find an agency to increase the quota. The other party claims that credit cards (debit cards) need to be accompanied by credit cards (debit cards) and passwords to increase the credit limit, which is simply nonsense. After the other party obtains the credit card (debit card) and password, it can overdraw the consumption. When handling credit card (debit card) business, you should first consult the issuing bank to verify whether it meets the requirements, and you are not allowed to give your credit card (credit card) and password to others at will.

Form 1: first consume, and then refund after the quota is successfully raised.

Form 2: To increase the quota, pay the fee first.

Form 3: using "software to increase the quota" to steal secrets.

Don't believe the customer service that credit cards (debit cards) can increase the quota.

Xiao Wu needs business at any time On this day, he received a short message showing the official customer service number of a bank, saying that Xiao Wu's credit card (debit card) can be increased to 6,543,800 yuan, and he can directly dial the phone number in the short message. Seeing that it was a short message from the bank's "customer service" number, Xiao Wu had no doubt and immediately called the phone in the short message to ask for an increase in the quota.

On the phone, I told Xiao Wu that if we want to increase the quota, we need to pay off all the debts in the previous credit card (debit card), and we need to bind the savings card to repay automatically.

Xiao Wu usually repays with Alipay or WeChat, and the savings card doesn't automatically repay, so he tells the other party that he can't operate, and the other party says he can help him. Xiao Wu provided a savings card and transferred 9200 yuan from his other savings cards to the card through mobile banking.

Soon, Xiao Wu received the SMS verification code. After telling the other party the verification code, Xiao Wu's mobile phone immediately received two consumption text messages, and his card was spent 9200 yuan. He immediately realized that he had been cheated and called again, but he couldn't get through.

Don't click on the link or QR code at will

Zheng Xiao's mother is in hospital and needs money badly. She saw an advertisement in the bathroom of the hospital that could help increase the credit card (debit card) limit, so she called according to the telephone number on the advertisement. The swindler asked Zheng Xiao to send him the name of the credit card (debit card). After a while, the swindler told Zheng Xiao that the comprehensive score of the credit card (debit card) was insufficient, and the credit limit could not be increased. However, the difference is not more than a few points. You can increase the score by brushing the virtual running water to increase the quota.

The swindler told Zheng Xiao that he would send him a QR code and let Zheng Xiao scan the code to pay. The amount would exceed the available credit card (debit card), and the deduction would fail. There would be no money loss, but it would increase the virtual traffic in Zheng Xiao, so that the amount could be increased. Zheng Yi Jr. thought that he didn't have so much money in his credit card (debit card) anyway, so it was impossible to pay successfully, so he scanned the QR code sent by the swindler and paid successfully. This is the liar's credit card (debit card) exceeding the limit.

Don't apply for a credit card (debit card) in an institution outside the brand.

Zhou Xiao is a female worker who works in a factory. On this day, she saw an advertisement in the WeChat group, saying that she could increase the credit card (debit card). Then Zhou Xiao added that person's WeChat. After chatting, the swindler promised Zhou Xiao that he was going through the internal channels of the bank. In addition to the credit card (credit card), he also needs to take photos of the front and back of his ID card and send them to him. Zhou Xiao, who was in urgent need of money, believed each other's words and immediately put his credit card (.

After a while, Zhou Xiao found that the credit card (debit card) quota had not been increased, and urged the matter. The swindler kept saying that the quota was being approved and asked Zhou Xiao to wait for a while. However, it didn't take long for Zhou Xiao to receive repayment messages from other banks, only to find that the credit card (debit card) quota had not been increased. Instead, the swindler used his ID card to handle a credit card (debit card) and brushed away all the money in the card.

Don't tell others the verification code of credit card (debit card)

In the circle of friends, Xiao Wang saw someone advertising that credit cards (debit cards) could be added, and there would be no charge if they were unsuccessful. So Xiao Wang contacted the man, who asked Xiao Wang to take photos of his credit card (debit card) and send them to him. Then trick Xiao Wang into taking the internal channel, and it only takes a while to send him the verification code.

After a while, Xiao Wang received the SMS verification code and sent it to the other party. Then he received the SMS of his credit card (debit card), and Xiao Wang realized that he had been cheated. This means that scammers can use the CVV code behind the credit card (credit card), that is, the last three digits behind the credit card (credit card), to run transactions on many overseas shopping websites without passwords.

There are many similar scams.

Little friends should keep their eyes open.

Don't be blinded by desire.

This is the end of the case analysis of credit card fraud and credit card fraud. I wonder if you found the information you need from it?