Core Viewpoint - The rise of financial technology and the widespread use of credit cards have led to an increase in credit card telecom fraud cases, where criminals impersonate bank staff to deceive cardholders into revealing personal information or making transfers, resulting in significant financial losses [1] Group 1: Types of Telecom Fraud - Impersonation of bank staff to induce transfers: Criminals call victims claiming their credit card has suspicious transactions and guide them to provide sensitive information, leading to unauthorized transfers [2] - Fake customer service refund scams: Victims receive calls claiming they can apply for refunds from promotional activities, leading them to fill out personal and credit card information on fraudulent websites [3] - Fraudulent credit limit increase schemes: Victims receive messages about easy credit limit increases, which direct them to phishing sites where they unknowingly provide personal information [4] Group 2: Common Techniques of Telecom Fraud - Impersonation of bank staff: Criminals obtain customer information through illegal means and pose as bank representatives to manipulate users into providing sensitive data [5] - Phishing websites and fake links: Fraudsters send counterfeit bank links via various platforms, tricking users into entering credit card details on sites that mimic legitimate banks [5] - Exploiting psychological weaknesses: Criminals create a sense of urgency (e.g., account freezing) to provoke panic, prompting victims to act without verifying the authenticity of the request [5] - False promotional activities: Scammers lure users with offers like free credit limit increases or cashback, leading them to click on fake links or contact fake customer service [5] Group 3: Consumer Protection Tips - Do not trust unknown calls or messages: Financial institutions will not request sensitive information via phone or text, and consumers should verify claims through official channels [6] - Avoid clicking on unknown links or scanning QR codes: Users should be cautious about clicking on suspicious links or scanning unverified QR codes, especially those related to banking [6] - Protect personal information: Sensitive credit card information should be safeguarded, and consumers should avoid sharing it through unofficial channels, regularly update passwords, and disable unnecessary notifications [6]