With the improvement of the market economy, each of us is more and more involved in economic life, starting a company, using a credit card, investing ... While gaining income or convenience, we are also often subject to various forms of economic crime Threat. On September 27, the reporter worked with the police of the Haikou Public Security Bureau to analyze several types of relatively high-income economic crime types, so that you can master some prevention knowledge and avoid falling into traps.

Type 1: Credit card fraud crime

Case replay:

On September 23, 2008, Mr. Yang, a citizen of Haikou International Trade Bank, withdrew money at a bank ATM machine and was surprised to find the machine notice: "Your card has been lost and cannot be used!" Has been swallowed by the machine. Mr. Yang hurried to the deep issuance of the card issuer to understand that the credit card (account number) that had been swallowed had been reported to the phone more than a month ago and a new card had been applied for. At the same time, another Bank of Communications credit card held by him was also reported to have applied for a new card after being reported and was overdrawn. Mr. Yang then reported the case to the public security organ. At present, Haikou has found several similar cases.

Analysis of the modus operandi:

The methods of committing crimes in the above cases are very unique and rare in the whole country. The modus operandi is as follows: The first step is for criminals to obtain the victim's credit card information (account name, card number, password, ID number, cardholder's address, contact number, etc.) through illegal channels. The second step is for criminals to call the bank's customer service phone, falsely claiming that the credit card was lost, and completing the report operation. The third step is for criminals to request a new card with their original name, and change the original mailing address and contact number. The fourth step is that the new credit card is mailed to the changed address and is maliciously overdrawn by criminals. At the same time, criminals will use the information of the victims to report tentatively to other banks. If the victim has processed a credit card in another bank and the registration information and password are the same, the loss will be further exacerbated.

The police reminded:

It is recommended that cardholders take precautions from the following aspects:

In order to reduce the risk of personal data being stolen, please go to the bank counter as soon as possible to go through the credit card application procedures, and do not entrust others or intermediaries to handle the credit card.

When you receive the password letter, please check whether the envelope is intact. If you find that the seal has been damaged, please contact the bank immediately. Please pay attention to protecting your personal password to prevent prying eyes when handling business or swiping cards on self-service equipment such as bank counters and automatic teller machines (ATMs).

Before entering a self-service bank equipped with an access control system and operating on self-service equipment such as automatic teller machines (ATMs), please pay attention to whether the fuselage is abnormal and whether there are suspicious attachments around, such as attachments to card slots, suspicious notices posted, micro Camera etc.

Do not casually enter bank card personal information on the Internet. Don't let others use your credit card and personal password, no one (including bank staff) has the right to ask your personal password. Do not set the same password for the inquiry password, consumption password and credit card passwords of different banks.