Bought the abandoned bank cards, fraudulent bank cards tend to have dark, scams-IT information
And investment banking, and bank card-related online forums or social groups, every now and then to see someone post or thread, said prices for spare bank debit cards, even some self-described "lazy newer channels" in order to drum up business.
In addition to network channels, pseudo-base station mobile phone text messages, street ads, also acquired information distribution channels. The first newspaper reporter wrote in a "long-term recycling bank cards" sticker on the streets of small ads read: "the long-term recovery of ICBC, agricultural Bank of China, Bank of China, China Construction Bank and other major banks bank debit cards, the acquisition price of 200 Yuan ~500, cash settlement. Support environmental protection, if you are the one. ”
Is dumbfounding, the so-called "repo" bank cards, has also played the "green" name.
Although this informal acquisition channels, most people do not "trap", but also curious: amount of card zeroing, overdrafts, no ordinary banking debit card, card costs only a few Yuan, why turn to acquisitions of more than hundred price? acquisition cards will be used to do?
With this doubt, reporter from channel contact and make unannounced visits to an Internet forum post acquisition.
Mesh silver shield charge prices doubled
For questions of journalists on the purchase price, the post said, bank debit card 80 Yuan a piece, 100 Yuan each by four rows of debit card, but to have network shield or USB card, purchase price can be doubled, the maximum can receive 300 yuan each.
For trading, he declined a proposed "meets the transaction" card but require short sellers ' bank cards and silver shield of the nets sent to its designated address. Particularly noteworthy is that card holders are also required to send a copy of their ID card and the card write passwords down. "We can confirm that the password after money to you. "He said.
When reporters repeatedly asked to explain why it is necessary when the cardholder copy of ID card, the posters are only "card without a penny in anyway", "you won't have losses" and other words stall and said they were just "intermediaries" are the actual recipient of service.
When reporters pressed the actual recipient who is, "will do illegal things," the post said this "can be assured." His reality, card collection value, which in turn explains, the reason for password card credit, is designed to help owners brush in the shop. For cardholders, said these practices without risk.
Involved in many illegal activities
In fact, this post above, that is idle on a bank card in this gray industrial chain "speculative dealers" rhetoric is self-defeating. On one hand, to rely on your bank card to do things, tend to be dark on the other, card purchase price with net silver shield high, turned out to have large amounts of money online trading requirements.
Recent network scam cracked down on banks and the ministries in the strict implementation of the same customer in a bank debit card may be only opened 4. In fact, unless you work with special needs, most people are rarely in the same bank four cards over debit cards. According to the investigation, between, there will be a number of bank cards, became the rapid dispersion of Telecom fraud then the money transfer channels. These cards come there to buy.
Telecom fraud in addition to transfer funds, Wenzhou City Public Security Bureau criminal investigation detachment, a police officer surnamed Chen told media that the acquisition card may also be criminals for money-laundering, bribery, harbouring property crime. "Selling idle cards seemingly at an advantage, in fact, may suffer heavy losses, is likely to lead to heads of damage to personal credit, even bear joint and several liability. "He said.
Secondly, the individual companies to avoid taxes needed with a group of bank cards in the form of wages or labor zouzhang, to fabrication costs in the accounts, and so on. In that case, cardholders have been paid personal income tax, which brings the possibility of property damage.
In addition, some of the acquired bank card may also be used false purchase shop goods, to give owner credit.
Since these cards are used for money fast in and fast out, so under normal circumstances, leave balances in the card. Already solutions tied to the cardholder in other phones, and replace the card passwords, cardholder on the movement of funds on the account are often unaware, may have unwittingly involved in illegal activities.
According to China's Central Bank issued the measures for the administration of RMB Bank settlement accounts article 65th: depositors may not rent, lend the bank clearing account. In accordance with relevant provisions of China's Supreme People's Court, illegal lending bank accounts is a violation of the financial regulations, should be held responsible for civil liability for lenders. In other words, sell bank cards themselves suspected of crimes.
But fortunately, a year before China's Central Bank, in collaboration with the Ministry, China's Ministry of public security, State administration of industry and commerce, China Banking Regulatory Commission and the national Internet Information Office conducted a round of online illegal trading of bank card regulation, illicit trading activities since then have been substantially curbed. However, in telecommunication networks is the phenomenon of acquisition cards to transfer money in the fraud, online forums are still in the acquisition card message and so on, need to remind cardholders, for idle bank card, should go to the issuing bank account or to keep, once the sale of bank card and ID card offences, should report to the public security organs in a timely manner.
高价收购废弃银行卡，往往有见不得人的诈骗陷阱 - 银行卡,诈骗 - IT资讯
在一些和投资理财、和银行卡相关的网上论坛或社交群里，时不时会看到有人发帖或跟帖，表示要高价收购闲置的银行借记卡，甚至有的还自称“懒人理财新渠道”，以此招揽生意。
除了网络渠道，伪基站手机短信、街头小广告等也成了收购信息发布渠道。《第一财经日报》记者就在一则写有“长期回收废旧银行卡”的街头贴纸小广告上读到：“长期回收工行、农行、中行、建行和其他各大银行银行借记卡，收购价200元~500元，现金结算。支持环保，非诚勿扰。”
让人哭笑不得的是，这一所谓“回购”银行卡者，竟然还打出了“环保”的名头。
虽然对于这种不正规的收购渠道，大部分人并不会“上当”，但也难免好奇：一张卡内金额归零、透支无门的普通银行借记卡，办卡成本也不过几元钱，为何转身就能以上百元的价格被收购?被收购走的卡片，究竟会被用来做什么?
带着这一疑惑，本报记者从网上渠道联系并暗访了一名网络论坛发帖收购者。
带网银盾收价翻倍
对于记者就收购价格的提问，这名发帖者表示，一般银行借记卡80元一张，四大行的借记卡100元一张;但是对于有网银盾或U盾的银行卡，收购价可以翻倍，最高可以收到300元一张。
对于交易方式，他拒绝了记者提出的“见面交易”，而是要求卖卡人将银行卡和网银盾一并寄到其指定的地址。尤其值得注意的是，持卡人还被要求寄出自己的身份证复印件，并且要将卡片密码写下来。“我们会在确认密码无误之后把钱打给你。”他表示。
当记者再三要求解释为何需要持卡人身份证复印件时，该名发帖者只是以“反正卡里没有一分钱”、“你不会有损失”等言辞搪塞，并表示他们也只是“中介”，是为实际收卡人服务的。
当记者追问实际收卡人是谁，“会不会做违法的事情”，该名发帖者表示对此“完全可以放心”。他现实表示，卡片有收藏价值，进而又解释称，之所以要卡片密码是为了在网店帮店主刷信用等。并称这些做法对持卡人来说没有风险。
涉及多项违法活动
事实上，上述这名发帖者，亦即这根灰色产业链上的闲置银行卡“二道贩子”的说辞，是不攻自破的。一方面，要靠收来的银行卡办的事，往往都是见不得人的;另一方面，带网银盾的卡收购价高，证明是有大额资金网上交易需求的。
最近多部委在电信网络诈骗重拳打击中要求银行严格落实同一客户在一家银行只能开立4张借记卡。其实除非工作上有特殊需求，一般人极少会在同一银行办四张以上的借记卡。经调查，这中间，就有一批银行卡，成为了电信诈骗得手后赃款的快速分散转移渠道。这些卡片里不乏有收购而来的。
除了用于转移电信诈骗资金，温州市公安局刑侦支队一名陈姓警官此前向媒体表示，收购的银行卡还可能被不法分子用于洗钱、行贿、藏匿财产等犯罪行为。“出售闲置银行卡看似占了便宜，其实可能吃大亏，很有可能导致户主个人信用受损，甚至承担连带法律责任。”他称。
其次，个别公司为了逃税，需要与一批银行卡以工资或劳务费形式走账，以此在账目上虚构成本等等。这种情况下，持卡人还有被追缴个人所得税、从而带来财产损失的可能性。
此外，有些被收购的银行卡也可能被用来虚假购买网店商品，以此给店主刷信用。
由于这些银行卡均用于资金快进快出，因此一般情况下，卡内不留余额。在对方早已解绑持卡人手机、并且更换了卡片密码后，持卡人对账户上的资金往来往往毫不知情，却可能糊里糊涂地卷入了非法勾当之中。
根据中国中央银行发布的《人民币银行结算账户管理办法》第六十五条规定：存款人不得出租、出借银行结算账户。同时根据中国最高人民法院相关规定，出借银行账户是违反金融管理法规的违法行为，应追究出借人相应的民事责任。亦即，出售银行卡本身涉嫌违法犯罪。
不过所幸，一年多之前中国中央银行会同工信部、中国公安部、工商总局、银监会和国家互联网信息办等进行过一轮银行卡网上非法买卖的整治，非法买卖活动此后也得到了大幅遏制。然而，在电信网络诈骗中仍出现收购卡片转移赃款的现象，网上相关论坛中仍有收购银行卡留言等，由此需要提醒持卡人，对于闲置银行卡，应当去发卡行进行销户或自行妥善保管，一旦发现买卖银行卡和身份证的犯罪行为，应及时向公安机关举报。