Credit card scams

To lure victims into the trap, the subjects often contact the victims by phone, claiming to be bank or financial institution employees, offering services such as: card upgrade support, interest rate reduction, refund, VIP card opening or card cancellation upon request... Using clever words, the subjects ask the victims to provide card information (card number, security code, effective date) and OTP code to "complete the procedure" or "authenticate receiving the offer". Immediately after that, with sophisticated tricks, the money in the victim's card can "disappear".

Sharing with us, Mr. Trung Hieu, Cua Nam ward, ( Hanoi ) said that although he was very cautious, he did not expect that one day he would be a victim of fraud. Mr. Hieu recounted that before that, he received a call from a person claiming to be a bank employee, informing him that there had been an unusual charge on his credit card. Mr. Hieu had to temporarily lock his card for 24 hours to cancel the charge. Trusting him, Mr. Hieu logged into a link similar to the bank website interface sent by the person to cancel the card. After that, his account was deducted 100 million VND. The person explained that the amount would be refunded after 24 hours. At this time, the person continued to invite Mr. Hieu to increase his limit and buy an insurance package for 15 million VND. Mr. Hieu transferred 15 million VND to the person.

Next, the subject reported the wrong code and requested to make 2 more transactions to settle the suspended amount. Without any doubt, Mr. Hieu continued to transfer 30 million. Only when the subject continuously requested to transfer more money did Mr. Hieu realize he had been scammed and reported to the police. The total amount of money he was scammed was 145 million VND.

In some cases, customers receive calls from fake automated operators: “Congratulations, you are now eligible for a credit card…”. If you press the button as instructed, the scammer will call back, pretending to be a bank employee and continue to ask for passwords and OTP codes to link the card to an e-wallet or make online purchases. In other cases, they ask for money transfers to “increase credit scores” or pay “application fees”, then quickly take possession.

According to Hanoi City Police, many people have fallen into the trap of sophisticated "tricks" from subjects impersonating bank employees calling to inform them of unusual charges from credit cards in order to appropriate property.

To prevent fraud, Hanoi City Police advise people to absolutely not share personal information with anyone via phone, social networks and not to access strange links sent via email or text messages; absolutely not to provide credit card information (card number, PIN, security code, OTP code, effective date...) to others in any form; do not take photos of the card and save it on the phone or send it via social networks. Because, in fact, banks never ask customers to provide confidential information such as email names or send strange links via phone. All fees are clearly announced by the bank via official applications or SMS messages with identification.

When receiving a suspicious call, people should proactively call back the bank's official hotline or go directly to the bank to check. If they discover a case of fraud, they should immediately report it to the police to quickly verify, promptly prevent and handle violators according to the law.

Quang Minh

Source: https://nhandan.vn/chieu-lua-lien-quan-den-the-tin-dung-post927119.html