The public reported openly buying and selling bank cards online, with the highest price per card in 420 yuan.
Bank cards, which have always been highly private, can also be publicly traded online. Recently, many Fuzhou citizens found that in some forums or post bars, not only people bought empty-shell bank cards, but also people peddled bank cards at high prices. The purchase price of a bank card with a U-shield opened online banking can reach 300 yuan. According to people in the industry, buying and selling bank cards is an illegal transaction. After buying bank cards, intermediaries mostly resell them to criminals for fraud. If citizens sell their bank cards cheaply, it is equivalent to facilitating criminals to commit fraud, and they will also bear relevant legal responsibilities in the future.
The purchase price of online banking empty card can reach 300 yuan.
Yesterday, the reporter searched for the keyword "bank card acquisition" on the Internet, and a lot of information about recycling bank cards popped up. All the acquirers said in their posts that long-term acquisition of bank cards is the first choice for ICBC, ABC, BOC and CCB. A card vendor said: "The purchase price of ordinary cards is 50 yuan, the purchase price of online banking password cards is 120 yuan, and the purchase price of U shield cards is 200 yuan." The purchase price of another card vendor is quite attractive: the purchase price of ordinary debit cards of CCB, ABC and BOC is 200 yuan, and if online banking with U shield is opened, the purchase price of each card will be increased to 300 yuan. At the same time, card vendors have left QQ numbers for customers to contact online, and said "cash on delivery".
The reporter found that although the purchase price is high, the buyer’s requirements for empty cards are relatively high. Card vendors all require: the card to be transferred must be a newly opened card with no use record; The card must be accompanied by account opening information and a copy of ID card; Telephone banking and SMS notification services cannot be opened; The mobile phone number filled in when opening an account must be empty. The reporter then contacted the above-mentioned high-priced card vendor through QQ, and the other party said that the customer must provide the bank card password when selling the bank card. The reporter asked online: "Why should I attach the account opening information and a copy of my ID card? What if the customer’s identity information is stolen? " The other party avoided talking about it. Under the reporter’s questioning, the other party only said: "I buy dozens of bank cards every day, and I don’t miss you." Then I stopped responding.
The acquired bank card is resold at a premium.
In addition to buying bank cards online, some intermediaries also specialize in selling bank cards. Yesterday, the reporter logged into a website named "Honesty Bank Card Processing Center", and the website directly posted the slogan "Hide property, open a small vault, it is not convenient to deposit your own account, find us" on the page.
The reporter got in touch with the other party through QQ. The other party said that ICBC debit cards with U shield were opened for online banking, and each card was sold at 420 yuan; Debit cards without online banking will be cheaper, but each card must be at least above 220 yuan.
The reporter noticed that the bank card sold by the intermediary has the same characteristics as the bank card purchased by the above-mentioned card vendor, that is, the bank card has no use record and is accompanied by the account holder’s information and bank receipt.
In the process of contact, the intermediary repeatedly said that the probability of bank cards being reported lost is zero. "We buy ID cards from different places through specific channels, and then open cards at bank outlets across provinces, even without knowing the real head of household. At the same time, customers can also change their passwords after receiving the cards. "
Tang Wei, vice president of Fujian Financial Planners Association, said that this is only a source of online selling bank cards. With the tightening of bank verification, although the identity card is true, it is difficult to pass the fake card opening with someone else’s identity card. The bank cards peddled by these intermediaries mainly come from the acquisition channels, that is, the acquisition information is published on the Internet, and then sold to criminals in need after the acquisition.
Special needs give birth to bank card transactions.
Tang Wei said that according to the regulations, bank cards and their accounts are only used by cardholders approved by the issuing bank, and they are not allowed to be rented or lent. It is obviously illegal to buy and sell bank cards online. The reason for the continuous emergence of online bank card transactions lies in the improper demand in the market.
First of all, the purpose of intermediary acquisition or personal purchase of bank cards from intermediaries is not for legitimate business, but for illegal activities such as fraud. At present, many citizens have received the experience of fraudulent text messages, asking for money to be transferred to a certain bank account, and the name of the head of the household is XXX. These blatant bank accounts are most likely bought. It is reported that on May 30, 2011, five young men who made money by selling bank cards were sentenced by Xiamen Huli Court. They bought bank cards at the price of each 50 yuan, and then sold them to the recipients at the price of each 100 yuan. A total of 76 bank cards were sold before and after. After investigation, from April to August, 2010, these sold bank cards were used by criminals for "telephone arrears" fraud.
Secondly, buying and selling bank cards may be for money laundering. In money laundering, criminals should first deposit the funds into the acquired bank card, then take the bank card abroad for consumption, or collude with merchants to obtain cash by fictitious transactions to realize the transfer of funds. In addition, some people may not be convenient to deposit money in their own accounts, but want to borrow other people’s accounts, just as the above intermediary claimed that "they want to hide their property and open a small vault."
Thirdly, buying and selling bank cards may be Taobao shopkeepers’ attempt to "brush credit". Taobao shopkeepers generally need to artificially create some trading volume, and some shopkeepers will buy some bank accounts, let money turn around on them, and create false transactions to improve the credibility of their online stores.
Buying and selling bank cards online is extremely risky.
Yesterday morning, the reporter found in Fuzhou Vientiane City postal currency card market that the buying and selling of bank cards in the collection market is obviously different from online transactions. A stall owner surnamed Zhang told reporters that the bank cards they bought were mainly used old bank cards, and customers did not need to provide account opening information and bank card passwords. The stall owner also said that the purchase price of savings cards issued earlier and with a small circulation will be more expensive, and each ordinary savings card is only one or two yuan; The price of Zodiac cards that have stopped issuing will be slightly higher, and the purchase price of one card is about 10 yuan.
Lawyer Pan Pengfei of Fujian Jianda Law Firm said that online bank card transactions are illegal and very risky. When a householder sells a card to an intermediary, he needs to provide account opening information and bank card password, and the intermediary may transfer the copy of the citizen’s ID card and other information for other purposes. In addition, the intermediary sells the acquired bank card to criminals. If criminals commit fraud in the future, even if the card seller doesn’t know, he will bear relevant legal responsibilities afterwards. "This is because the intermediary requires individuals to provide information such as passwords when purchasing bank cards, and the householder should know that the purchaser may use this for illegal purposes. If there is evidence afterwards that the householder knows or should know that the bank card sold is used for fraud, the householder may constitute a criminal offence. "
Tang Wei, vice president of Fujian Financial Planners Association, also said that from the point of view of card buyers, there are actually many risks hidden. "Because the card purchaser is not the real head of household, even if the password is changed in time after receiving the card, it is not safe. If the real head of household reports the loss or cancels the bank card afterwards, the account funds will be owned by the head of household."