Wang Jie recalled that on a weekend at the end of February, 65438 last year, three people walked into the lobby of the sales department, two of them were strong young people, and the other was a simple-looking old man. "The lobby manager immediately greeted and learned that the old man had to apply for a bank card and open online banking."
Wang Jie said that when the teller received the old man, he not only asked him in detail about the purpose of opening an account, but also carefully understood his relationship with two young people, and found that the old man had some unclear expressions. "What makes us suspicious is that the two young people are impatient and have been urging the tellers to hurry up." Wang Jie said that after discovering that the elderly might be cheated, they immediately asked the supervisor on duty to assist in screening. "We checked with the elderly according to the contents shown on the account opening application form and found that the information left was not detailed. I called the scene to confirm the reserved phone and found that the reserved phone was not the old man's own, but one of the young people was using it. "
After the teller found many suspicious things, he told the elderly that the account opening information must be true, effective and detailed, and the reserved telephone must be used by himself. "We rejected the old man's application for opening an account," Wang Jie said.
The relevant person in charge of the accounting department of Chongqing Branch of CITIC Bank said that online payment now often only needs to receive a verification code with a mobile phone and enter it on the webpage to pay immediately. "Even if you don't open online banking, as long as the mobile phone number you reserved in the bank belongs to someone else, he may directly use your bank account to spend and transfer money online." Chongqing Evening News reporter Zhang Bin trainee reporter Feng
"Not long ago, we received a customer who actually planned to associate his bank account with someone else's mobile phone number." Speaking of the business recently handled for a customer, Wang Jie, the accounting teller in the business department of Chongqing Branch of CITIC Bank, still has a lingering fear. "Fortunately, the tellers are highly vigilant and avoid the risk of misappropriation of funds in customer accounts."
Before the Spring Festival, criminals may appear frequently. The relevant person in charge of the accounting department of Chongqing Branch of CITIC Bank reminded everyone to be alert to these scams.
Deception 1 help you with a large credit card or loan.
There are many places to spend money during the holiday season, so getting a large credit card or a large loan can alleviate the embarrassment of tight funds. Criminals may also aim at this mentality. The person in charge said that after receiving the information of handling large credit cards or loans, criminals will first inform you to handle a debit card at Bank A (don't save money) and ask you to inform the account password and other information; Then inform you to apply for a debit card at Bank B, keep the criminal's mobile phone number, and ask for a certain amount of money to prove repayment ability. After you deposit in Bank B, criminals quickly bind the tripartite payment platform, transfer your deposit in Bank B account to Bank A account, and then transfer it out through Bank A's online banking.
Note: Banks will not send text messages to handle large credit cards or loans, let alone have internal channels. Please don't take chances, don't be greedy for cheap, and don't trust strange text messages.
Deception 2 helps you increase the credit card limit.
If you get a phone call saying that you want to increase your quota, be careful. The person in charge said that citizens often receive calls from "area code+bank service hotline number". The other party said that you can increase the credit card limit immediately and tell your home address accurately. Finally, they ask you to provide the withdrawal card number, expiration date and three numbers on the back of the card. Never believe it. Once provided truthfully, credit cards may be quickly used by criminals to make external payments online.
Precautions: "Area Code+Banking Hotline" is not credible. In case of the above situation, please call the correct bank hotline immediately, and don't blindly believe it.
Deception 3 impersonates an airline to refund or change its ticket.
The criminals may inform you that the plane cannot take off for some reason, please contact customer service to refund or change the ticket. After you contact the fake customer service, the criminals will ask you to pay the change fee at the ATM and enter the so-called verification code. In fact, the verification code here is the transfer amount, and the funds will be transferred out quickly after you enter it.
Note: you don't need to go to ATM to refund or change your ticket. If you receive such information, you can call the airline for consultation.