Source: Yiwu sourcing agent Author: Date: 2010-03-08
"Just a copy of personal ID card can apply for major banks across the country credit cards, overdraft amount from 5000 to 30 ten thousand dollars ... ..." Recently, the 28-year-old hotel in Yiwu to do the security of the property, Mr Duncan Pescod (a pseudonym) as true, According asked to transfer 800 yuan, the application for a twenty thousand of credit card, the results of the other lost contact after the money is received.
SMS Advertising cheated gullible 800
February 23, Lou Zhi-high cell phone received a text message: "Agent banks credit cards, credit card companies and banks to promote direct co-operation in through an internal recommended way to handle a number of banks credit cards, but relies on ID cards can be handled proof of income from work and other related materials by the company for you on behalf of the open, the card ensure the maximum amount of 56 days interest-free overdraft limit 5,000 to 30 ten thousand dollars. "
For a long time, Lou Zhi Gao wants to do a higher overdraft limit credit card, but unfortunately the conditions of their income does not meet standards of the bank's bid. So he left a message on the adoption of the QQ number and a contact who claimed to surnamed Zhang.
House Mr Pescod said Zhang simply asked him about the circumstances that can be handled within 7 days for him an overdraft limit of two million bank credit card, but the first pay 200 yuan in agency fees, an additional overdraft facility in accordance with the highest 3% of the amount of pay "with the card fee." "I was also doubtful mind, this is not is a liar, right?" House Mr Pescod said that Zhang's remarks, but also to dispel his doubts. Zhang said he was through a friend works in a bank's internal credit card charge d'affaires, with card payment is actually a friend of the commissions that he only received 200 yuan a "errands money."
In the afternoon, Lou Zhi Gao will be 800 yuan of money remitted to Zhang, the designated account. However, until March 3, have not received the other to run the credit card, playing Zhang's cell phone was found to have shut down.
Bank of people:
Credit card processing procedures are very strict
From the city's major commercial banks understand that, at present, the major banks to apply for credit cards with very strict procedures. In particular, the credit card processing capabilities with an overdraft, banks are risk-averse, are required to personally host the client to the bank fill out an application form must apply for a person's handwritten signature, and the bank staff will be adopted by the public security department of the Shin Networking System Link to confirm the identity of the information, while providing a copy of the ID card, personal income certificate or other proof of financial resources materials (real estate proved that driver's license, etc.) examine the authenticity of information, for eligible persons, usually in the 14 a natural day to the hands of card issuers to the user.
In addition, the credit card issuing bank checks are more strict and apply for identity cards must provide the original, the agent must also receive identity cards to carry both original and after bank staff to call to confirm before I on behalf of the collar. Therefore, banks can not arise by virtue copy of an ID card can apply to the credit card situation. But also to the bank bid to host the credit card at no extra charge.
Jinhua City Industrial and Commercial Bank of China branch personal financial staff of the Ministry, said in an interview, the current fast-charge d'affaires of the potential proliferation of credit card advertising, and their staff members have repeatedly received similar SMS advertising.
Bank officers urged that such advertisements are mostly fraudsters set traps in order to lure consumers with low threshold to do cards, aimed at obtaining money, and took the opportunity to bid to steal people's personal information. For this fraud, consumers are advised to promptly report to the public security organs.
A mention to meet each other on the "stealth"
The afternoon of March 4, according to House Pescod provided by the QQ number, reporters and a network called "charge d'affaires credit card" netizens made contact.
Reporter: I see that your company's online advertising, you can run commercial banks to bank cards.
Agent Credit Card: Yes, our company can apply for the credit card banks all over the country. I ask, Where are you from, we must do card?
Reporter: Jinhua, Zhejiang, and if I want to do, what that entailed?
Agent Credit Card: As long as you can provide a copy of your ID card.
Reporter: so simple? I know that banks are willing to Zhang overdraft lines of credit need a lot of supporting documentation, such as proof of income.
Credit card charge d'affaires: Other materials, our company will help you prepare well. You want to apply for overdraft limit for the number of credit card?
Reporter: If you want to apply for an overdraft 50,000 yuan for?
Agent Credit Card: You can run, but you must first pay the cost of 200 yuan, in addition to 3% of the amount required to pay an overdraft of "using card fee" 1,500 yuan.
Reporter: Fees can not be the price?
Agent Credit Card: Our company has already collected count low.
Reporter: Oh, where is your company?
Agent Credit Card: Guangdong Zhuhai.
Reporter: Guangdong could handle our side the banks credit card?
Agent Credit Card: We have acted in personnel throughout the country.
Reporter: Could I leave a phone number?
Credit card charge d'affaires: 1305547 *** 5.
Reporter: How can I get this card?
Agent Credit Card: run, we will be mailed to you.
When a reporter asked to see their companies in Jinhua side of the managers, the other did not answer, after the stealth of.
Reporter online search more than 360 million of "charge d'affaires credit card" advertising messages or web pages, most of the ad agency that can quickly amount of overdraft credit, ranging from major banks, and the certification is not required, charges will include agency fees, with card fees, cost is generally the highest in the credit card overdraft amount from 1% to 8% range.
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