If someone says to you
Just lend the phone card and bank card for a while.
Brush running water
You can get a quick loan.
Solve an urgent need
What would you do?
Case 1
Mr. Wang is a little short of money recently and wants to apply for a loan. One day, he met a person on Tik Tok, and chatted with him and said that he could help Mr. Wang with a loan. However, at present, Mr. Wang’s credit information is not good, so he needs to beautify the credit information and brush the water first.
The two agreed to meet offline, and the other party used Mr. Wang’s mobile phone, ID card and bank card to operate, saying that after leaving personal information, he could go home and wait for news.
After returning home, Mr. Wang found a sum of money in his account. However, the other party asked Mr. Wang to go to the bank to take out the money and return it to the other party on the grounds of "operational error and unable to withdraw money from the account" before lending.
When Mr. Wang returned the money to the other party and asked again when his loan arrived, the other party had blacked out Mr. Wang. When the public security organs found Mr. Wang, he realized that he had somehow become an accomplice in the "two cards" crime.
travel to watch industry
Mr. Li was dragged into a QQ group when surfing the Internet. The owner of the group privately said that he could provide him with 1.5 million yuan for poverty alleviation. However, the running water of Mr. Li’s bank card was not enough, and it was necessary to brush up the running water before the loan could be approved.
Under the guidance of the other party, Mr. Li downloaded an APP and began to brush the water in the APP. What Mr. Li doesn’t know is that this "poverty alleviation fund" doesn’t exist at all, and the so-called "brushing water" is also facilitating criminals to commit telecommunication network fraud crimes.
So what exactly is the "two cards" illegal crime?
What is "two cards"?
The so-called "two cards" refer to mobile phone cards and bank cards. Among them, bank cards include personal bank cards, corporate accounts and settlement cards, as well as accounts of non-bank payment institutions, that is, third-party payments such as WeChat and Alipay commonly used by the public. The crime of "two cards" refers to the illegal activities of renting, selling and buying "two cards".
What is the "two cards" illegal crime?
Illegally renting, selling or buying "two cards" for criminal activities or being used by others, if the circumstances are serious, constitutes the crime of helping information network activities, which is commonly called "helping the letter". In addition to the well-known selling and leasing of bank cards for money laundering, calling cards and internet accounts associated with calling cards are more hidden in the illegal activities of electric fraud, but the legal consequences are more direct.
Legal Consequences of "Two Cards" Crime
Article 38 of the Anti-Telecommunication Network Fraud Law stipulates that those who organize, plan, implement or participate in telecommunication network fraud activities or provide assistance to telecommunication network fraud activities, which constitutes a crime, shall be investigated for criminal responsibility according to law. If the act mentioned in the preceding paragraph does not constitute a crime, the public security organ shall detain it for more than ten days and less than fifteen days; If the illegal income is confiscated, a fine of not less than one time but not more than ten times shall be imposed. If there is no illegal income or the illegal income is less than 10,000 yuan, a fine of not more than 100,000 yuan shall be imposed.
1. Protect personal information and properly keep your ID card, mobile phone, bank card, online banking U shield, etc. Do not rent, lend or sell calling cards and financial accounts, including bank cards, WeChat, Alipay accounts and payment QR codes.
2. Don’t log in or click on unknown websites, text messages and emails, don’t easily add strangers as friends, and don’t download strange apps.
3. Handle bank account business through formal channels, and pay attention to safety precautions when operating self-service equipment such as ATM machines. Download and install online banking, mobile banking security controls and client software from formal channels, and turn off the remote login function of the computer system.
4. A large number of bank cards and phone cards with "false names" will not only be used by criminals to commit telecommunication network fraud, but also be used by money laundering criminal gangs to launder money and evade taxes, and will also be used for crimes such as online drug trafficking and online gambling. Illegal buying and selling of "two cards" is bound to face legal sanctions. If you find illegal and criminal acts such as buying and selling, renting telephone cards and bank cards, you should report them to the public security organs in time.
Original title: "If you want to borrow money, use a bank card to brush the water first? Be careful to become a "tool man" of electric fraud! 》
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