If you suddenly receive a bank card with the logo of "XXX Bank" and "Consumer Poverty Alleviation Love Card", and the promotional page clearly states that "the limit is over 4 million yuan", will you believe it is true? Not long ago, a bank in Daxing District, Beijing reported a case of "counterfeit bank card fraud" to the police. The other party claimed that this was a "special card for pension subsidies" that could receive large subsidies. They deceived the elderly into paying more than 1000 yuan on the grounds of card making fees and insurance premiums, and also obtained relevant information about the elderly and their families. There are numerous scams of "counterfeit bank cards" in society, using excuses such as "consumer poverty alleviation" and "pension subsidies" to lure consumers into being deceived and suffering property losses. In response, the Beijing Regulatory Bureau of the State Administration of Financial Supervision and Administration has issued a risk warning, reminding consumers to be vigilant and strictly prevent such scams. The fraudulent methods of criminals are constantly evolving and highly deceptive, making it difficult for many elderly people to prevent. Wang Pengbo, Chief Analyst of the Financial Industry at Broadcom Consulting, stated that the recent "counterfeit bank card" scams are mainly carried out through a combination of policy scenario packaging and high interest temptations. Criminals precisely anchor areas with livelihood attributes, and then confuse channel cognition through means such as stealing bank logos and forging official customer service. Essentially, they exploit the trust of consumers, especially the elderly, in policy benefits, as well as blind spots in information screening. This is also a prominent feature of the current evolution of financial fraud towards scenario based and pseudo official methods. So, how is the "counterfeit bank card" scam carried out? According to the guidelines released by the Beijing Financial Regulatory Bureau, there are currently five common types of tricks. One is creating confusion through counterfeit banks. Stealing legitimate bank names and brand logos, using similar color schemes, attempting to confuse the real with the fake, and printing false "official customer service" phone numbers on fake bank cards to create conditions for subsequent fraud. The second is the lure of high subsidy benefits. Mailing or distributing fake bank cards, falsely claiming to be "Consumer Poverty Alleviation Love Cards" or "Pension Subsidy Special Cards", claiming that holding these cards can receive high subsidies or enjoy special treatment. Thirdly, false platforms create traps. Using fake apps, websites, or customer service phone numbers to display "high balance" in the card or falsely claiming to send "valuable gifts" to lure consumers into being deceived. The fourth is to fraudulently obtain money under various pretexts. Using account activation as an excuse to collect "card printing fees", "transaction fees", "deposits", etc., in order to defraud money. The fifth is to extract customers' personal information. Criminals extensively obtain personal information of victims and their families during the process of fraud, creating conditions for subsequent fraud or other illegal activities. The Beijing Financial Regulatory Bureau reminds consumers to identify official channels, remember that "no pie will fall from the sky", resolutely not pay unknown fees, strictly prevent information leakage, and verify and report in a timely manner when facing similar fraud methods. Wang Pengbo believes that the "one identification, two memorization, three firmness, four strict prevention, and five reporting" proposed by the Beijing Financial Regulatory Bureau has built a full chain risk protection framework for users, which not only conforms to the underlying logic of prioritizing the protection of financial consumer rights and interests, but also hits the key loophole of such scams. Everyone must keep their eyes open and handle business through official bank channels. They must remain clear about claims such as receiving high subsidies without the need for review, firmly refuse to pay unknown fees in advance, and strictly prevent the leakage of personal information, clicking on suspicious links or downloading unknown apps. In case of suspicious situations, they must immediately contact the bank official for verification. After being deceived, they should save evidence such as call records and transfer vouchers and report the case in a timely manner. ”Wang Pengbo stated that it is particularly important to be vigilant against false cards with counterfeit bank logos and supporting fraud platforms, in order to avoid falling into the trap of embezzling money or personal information due to the desire for unexpected gains. Consumers, especially elderly friends, must handle bank cards, unfamiliar phone calls, unknown deliveries, etc. distributed by strangers with caution. Those who receive unknown information such as "subsidies" and "benefits" should remain clear headed and alert to "unexpected gains". At the same time, the elderly's relatives and friends should also pay more attention to the elderly, often reminding them to be alert to bank card fraud, and jointly guarding the elderly to enjoy a peaceful old age. (New Society)