Lost 15,000 yuan after the phone suddenly went black! Police: Turn off this function immediately

My phone went black inexplicably late at night and I couldn't control it

I thought it was just a phone malfunction.

Unexpectedly, what followed was

Personal credit card maxed out

This is the experience of Mr. Zhang who lives in Beijing.

My phone goes black for no reason late at night

Wake up and find that your credit card has been used for overseas purchases

One night in early January 2024, Mr. Zhang's phone suddenly went black and vibrated, and he could not perform any operations. The next day, the phone returned to normal, but the money in Mr. Zhang's bank card was missing.

Mr. Zhang called the police after realizing that his credit card had been stolen. The police found that the credit card had been used to make a purchase overseas. At the time of the incident, when the phone screen went black, the money was paid to a duty-free shop in Thailand. Following this clue, the police found that the "credit card" had been used to buy a mechanical watch for 15,000 yuan at a duty-free shop in Thailand.

Based on the information on the delivery note, the police discovered that the watch was brought back to China by a professional courier, who immediately sent it away by express delivery. At this time, the recipient of the express delivery, Zhang, attracted the attention of the police.

Wang Xiaoji, squadron leader of the First Brigade of the Economic Investigation Corps of the Beijing Municipal Public Security Bureau, said that Zhang received a large number of express deliveries every day, and most of them were sent from airports across the country, and the senders had long-term records of traveling between China and abroad.

Stealing credit cards upstream → Selling stolen goods midstream → Money laundering downstream

The police launched an investigation around Zhang and found that he was a criminal gang that used electronic fraud to steal credit cards overseas and sell the stolen money domestically . The gang members had clear division of labor:

The upstream criminal suspects illegally obtained the victim's credit card information and made purchases on overseas shopping websites or duty-free shops without binding the card;

Professional porters bring consumer goods from abroad to the country;

Zhang and others received the goods and sold them for cash;

The funds are converted into virtual currency and divided among the gang.

With this as a clue, the police uncovered a domestic and overseas collusion and credit card theft crime chain. According to Wang Xiaoji, the captain of the First Brigade of the Beijing Municipal Public Security Bureau's Economic Investigation Corps, the case chain involved more than 70 people, more than 150 cases involved have been verified, and the amount involved is more than 10 million yuan. At present, the police have arrested more than 70 suspects in 16 provinces and cities across the country.

How was the victim’s credit card information leaked?

Police investigations found that the criminal gang used a variety of methods to steal victims' credit card information.

The suspects sent phishing text messages, which included unfamiliar links and fake "official websites";

After the victim clicks on the link, the suspect asks him to fill in the bank card information;

Some victims are then threatened by pretending to be from the public security, procuratorial and judicial organs, and they will reveal their bank card information.

Anyone asking for this information is a scammer

Special reminder: Do not disclose key bank card information such as dynamic password, password, card validity period, three digits on the back of the card, SMS verification code, etc.

The public security, procuratorial and judicial organs will never ask for your bank card password, SMS verification code or other information over the phone or on the Internet, let alone show you "documents" such as wanted warrants and freezing control orders through an Internet cable.

How to prevent credit card fraud?

Disable overseas payment function

If you have no overseas consumption needs, you can contact your bank to temporarily close the overseas payment function to avoid financial loss.

All bank apps have bank account locks, including overseas security locks, nighttime security locks, and remote account use security locks. You can lock them as needed to avoid financial losses.

Taking the Industrial and Commercial Bank of China App as an example, users can open or close the security lock online.

Set a limit or reduce the password-free limit

When making card transactions, you can adjust the spending limit appropriately and add SMS reminders for password verification. Setting a lower password verification trigger amount during the use of the bank card can also reduce the risk of fraudulent transactions to a certain extent.

Set consumption reminders through multiple channels

Currently, there are many ways to remind you of changes in bank card account balances, the most common of which are micro-banking via SMS and WeChat channels.

What should I do if credit card fraud occurs?

Report lost bank card immediately

Log in to the mobile banking app of your bank and report the loss online; call the customer service number of the bank to which your bank card belongs to report the loss and explain the fraudulent use.

Prove that the bank card is in your hands

It is recommended that the cardholder go to the nearest ATM to make a transaction and get a receipt to prove that the bank card is in hand and record the time, and report the abnormal transaction/fraudulent transaction processing request to the customer service of the bank card.

Report to the police and keep the report receipt

Card replacement is possible

After completing the above matters, you can go to a bank branch to replace the card and protect the new bank card information.

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