I suddenly received a strange phone call at noon today, and the other side asked me if I was so-and-so at first, and then accurately said the last four digits of my ID card, the last four digits of the bank card, the date of birth, and the exact name of the university I studied, and then made up a reason to say that I opened a white bar or gold bar service through Jingdong as a student at that time during my study in Guanggong, which belongs to the category of campus loans, but now the state has completely banned campus loans, and I need to help cancel the account.

Because he provided so much information, especially the last four digits of my bank card and the name of the university, so much correct information made me mistakenly think that he was really a staff member of JD.com at first, anyway, according to what he said, I borrowed two thousand yuan from the Jingdong gold bar to my own bound bank card, saying that I needed to activate the background account with the business amount to continue to eliminate the account, and the money was withdrawn from the bank card, and the other party sent a screenshot, showing that my bank card was not opened for withholding business, so I couldn't deduct the two thousand yuan, (At this time, I still didn't realize the problem, until I thought about it later.) This is just a plausible reason for the crook to find the next step, and a psychological trap that can make people believe him further! ）

The scammer sent a screenshot, hesitated for a moment, pretended to be decent, and said that because they couldn't successfully withhold, they couldn't successfully connect the sales number, so they asked me to send the money back to the account docked by the CBRC in the online bank.

To be honest, I already have a little doubt at this time, just because at the beginning, the other party was able to say so much information about me at the beginning, and I myself am also a person who pays relatively attention to information protection on the Internet, not to mention the mobile phone number, name, ID number, etc., but the bank card number, the two pieces of information that I once studied at the Guangzhou University of Technology are even more cautious to the extreme, and I have never entered it on a messy website, and it is impossible to leak it, if it wasn't for the staff of Jingdong, where did I get so many detailed information?

It's just that what is fake can't be true after all.

As he said to enter the account name, the more I looked at the interface, the more wrong it became, and then I suddenly woke up, what is the CBRC, others don't know, you don't understand what it is when you read finance? Where did this thing come from? !

When a person is aware of a scam, any scam will be full of loopholes, not to mention that the scam is not clever, if it wasn't for the fact that the information given by the other party was too detailed at the beginning for me to have a preconceived idea, otherwise I would have realized the problem a long time ago.

So I decisively stopped the stupid act of entering the password to transfer money, and said to the scammer that I suddenly didn't want to do it, and then the swindler was a little anxious and said that this account can only be canceled online with them, and it is the last step, otherwise it will be very troublesome to do it yourself, and you need to bring your ID card to the Beijing headquarters of Jingdong to cancel it in the future, and if you don't cancel this account, you will need to take out a loan to buy a house and a car in the future, and you will need to go to the CBRC to get a credit or something. I said I think you are liars, I want to ask the back-end customer service of JD Finance, and the other side is even more anxious, saying that if they are liars, how can they only deceive you of 2,000 yuan, instead of asking you to lend out all the 20,000 yuan of the loan amount?

Although I finally reined in the precipice, I also borrowed 2,000 yuan from Jingdong gold bars, and repaid the money two hours later, and gave Jingdong a huge loss of interest of a dime.

After examining the ridiculous scam that almost caught me in today, I found that I was too confident in keeping my personal information confidential, and I thought I was well protected, but in fact it was already full of holes.

And I seriously thought about it, so many detailed personal information, including the university I attended, I only entered it when Alipay completed my personal identity, and the rest was absolutely not registered online, so basically eliminated the possibility of online leakage.

Then there is only one place left, and that is the company that used to work.

During the period of working in the company, you need to submit a resume, which includes your college degree, sign a contract, you need a copy of your ID card, pay salary, you need to use a bank card account, so much personal information held by scammers can only be obtained from the company I have worked for.

After screening, there is no doubt that this happened when I was working in those small factories and small enterprises during my summer job in college a few years ago!

These street-fighting companies either went bankrupt and liquidated and leaked out, or they were bought off by criminals and sold all the information!

Kill me too!