当你在商场爽快刷卡付款，或是躺在家里用手机完成线上支付时，不知有一双"黑手"正通过网络漏洞悄 悄盯上你银行卡里的资金。 "金融黑灰产"从不是遥不可及的行业术语，它时时刻刻都隐匿在人们的日常生活中，或是伪装成一条银 行短信通知，或是一个"代办高额度信用卡"的弹窗，甚至会利用人们随手丢弃在垃圾桶里的交易小票窃 取信息。无论是通过POS机盗刷、银行卡信息批量贩卖，还是利用虚拟货币转移盗取资金，黑灰产早已 形成一条分工明确的产业链，而持卡人的每一个用卡习惯，都可能成为他们伺机钻取漏洞、突破防线 的"突破口"。 黑灰产盯上银行卡 先钻"用卡漏洞" 很多人可能尚未意识到，随意处置交易凭条、在非授权平台绑定卡片信息，都可能成为黑灰产业链的重 要"生产资料"。他们通过伪造银行卡、窃取支付验证码、搭建虚假支付通道等手段，将你的卡片变 成"提款机"。 秘诀一：善用交易监测服务，第一时间识破异常。 黑灰产盗刷往往具有"快、准、隐"的特点，且常在人们毫不知情的情况下，几分钟内完成多笔交易。因 此，及时发现异常交易是防范盗刷的第一道关口。 以交通银行信用卡"用卡无忧尊享版"服务为例，该服务提供实时短信提醒，如发生交易会立即通知持卡 人 ...

Core Insights - The upcoming National Day and Mid-Autumn Festival holidays are expected to boost cross-border tourism and shopping, leading to an increase in potential scams targeting consumers [1][2] - China UnionPay has issued three safety tips for card usage during the holiday period to protect users from fraud [1][2] Group 1: Safety Tips - Users should be cautious of SMS link risks and avoid disclosing sensitive payment information such as card numbers, expiration dates, CVN codes, and dynamic verification codes [1] - It is advised to be vigilant against illegal apps, especially when contacted by individuals claiming to be customer service representatives, and to verify through official channels before taking any action [1] - Users are encouraged to monitor for unusual transactions by enabling balance movement alerts and promptly reporting any unauthorized transactions to their bank [2] Group 2: UnionPay's Fraud Prevention Efforts - Since 2021, China UnionPay has intercepted over 200 million suspicious gambling and fraud-related transactions, effectively safeguarding cardholders' funds [2] - The UnionPay network has expanded to 183 countries and regions globally, utilizing technology and collaborative mechanisms to create a robust payment security "firewall" for cardholders [2]