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民生、广发、平安信用卡权益调整的幕后凶手:羊毛党薅走了我们的权益

来源: 南方日报网络版     时间: 2019年06月26日 01:47:30
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极速5分飞艇注册平台直属招商客服QQ【7915✶171】诚招代理龙虎和龙虎1赔2.211合1赔9.95,定位胆1赔9.95腾讯5,10分欢乐生肖,最高返水100反9快,最高赔率,正规信誉大平台平台24h提供注册及登录。民生、广发、平安信用卡权益调整的幕后凶手:羊毛党薅走了我们的权益

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(贵)(党)(出)(征)(
讲)(几)(个)(“愉)(见)(财)(经)(”听)(闻)(或)(采)(访)(过)(的)(恶)(意)(羊)(毛)(党)(案)(例)(。由)(小)(到)(大)(。
5年)(多)(前)(,我)(采)(访)(过)(某)(银)(行)(推)(出)(优)(惠)(政)(策)(没)(到)(3个)(月)(就)(赶)(紧)(叫)(停)(的)(新)(闻)(。当)(时)(用)(这)(家)(银)(行)(的)(储)(蓄)(卡)(申)(购)(某)(宝)(货)(币)(基)(金)(就)(能)(获)(得)(积)(分)(奖)(励)(,促)(销)(期)(内)(一)(张)(储)(蓄)(卡)(封)(顶)(奖)(励)(1万)(积)(分)(,而)(1万)(积)(分)(实)(在)(是)(蝇)(头)(小)(利)(,差)(不)(多)(只)(等)(值)(于)(8块)(钱)(人)(民)(币)(。
彼)(时)(,央)(行)(“限)(卡)(令)(”还)(没)(施)(行)(,这)(家)(银)(行)(设)(计)(优)(惠)(活)(动)(时)(,估)(计)(没)(料)(想)(到)(羊)(毛)(党)(可)(能)(一)(天)(去)(办)(他)(个)(几)(十)(张)(、甚)(至)(100张)(储)(蓄)(卡)(,然)(后)(用)(这)(100个)(储)(蓄)(账)(户)(循)(环)(向)(某)(宝)(充)(值)(。一)(张)(储)(蓄)(卡)(的)(确)(只)(能)(获)(得)(相)(当)(于)(8元)(的)(积)(分)(,可)(100张)(就)(是)(800元)(,积)(分)(兑)(换)(油)(卡)(后)(转)(手)(就)(在)(QQ群)(里)(卖)(出)(获)(利)(。而)(一)(个)(羊)(毛)(党)(薅)(掉)(800元)(,100个)(羊)(毛)(党)(呢)(?银)(行)(就)(只)(好)(停)(止)(活)(动)(修)(改)(规)(则)(了)(。
像)(这)(样)(的)(规)(则)(“漏)(洞)(”其)(实)(时)(有)(发)(生)(,上)(面)(说)(到)(的)(那)(个)(“我)(党)(出)(征)(”羊)(毛)(党)(群)(里)(,有)(人)(管)(这)(种)(漏)(洞)(叫)(“掉)(毛)(”,他)(们)(天)(天)(在)(群)(里)(、论)(坛)(里)(交)(换)(各)(自)(发)(现)(的)(“掉)(毛)(”。比)(如)(某)(银)(行)(推)(出)(信)(用)(卡)(积)(分)(兑)(换)(星)(巴)(克)(咖)(啡)(的)(活)(动)(设)(计)(也)(“掉)(毛)(”,群)(里)(有)(人)(一)(天)(能)(刷)(出)(几)(十)(杯)(咖)(啡)(,然)(后)(再)(把)(咖)(啡)(券)(卖)(掉)(套)(现)(。“秘)(籍)(”一)(出)(,全)(群)(效)(仿)(出)(征)(。
如)(此)(这)(种)(要)(辛)(苦)(老)(半)(天)(的)(恶)(意)(薅)(羊)(毛)(方)(法)(,尚)(在)(羊)(毛)(党)(群)(的)(鄙)(视)(链)(底)(端)(。比)(这)(获)(利)(凶)(猛)(得)(多)(的)(,是)(上)(文)(贴)(图)(《80后)(男)(子)(靠)(信)(用)(卡)(积)(分)(套)(利)(年)(赚)(近)(千)(万)(》所)(用)(的)(手)(法)(:在)(自)(己)(控)(制)(的)(多)(个)(POS机)(上)(反)(复)(刷)(卡)(,以)(巨)(额)(虚)(假)(交)(易)(大)(量)(套)(取)(信)(用)(卡)(积)(分)(。
这)(些)(积)(分)(怎)(么)(变)(现)(呢)(?一)(般)(羊)(毛)(党)(都)(会)(选)(择)(兑)(换)(成)(流)(通)(性)(更)(好)(的)(航)(空)(里)(程)((相)(当)(于)(可)(以)(为)(人)(办)(免)(费)(机)(票)()、或)(机)(场)(接)(送)(机)(等)(服)(务)(,再)(在)(网)(上)(固)(定)(的)(收)(购)(群)(里)(卖)(出)((一)(些)(票)(务)(代)(理)(会)(专)(门)(收)(购)()。
武)(汉)(警)(方)(此)(前)(破)(获)(过)(一)(起)(大)(额)(信)(用)(卡)(积)(分)(非)(法)(套)(利)(案)(,抓)(获)(十)(余)(人)(犯)(罪)(团)(伙)(,这)(些)(羊)(毛)(党)(正)(是)(利)(用)(了)(各)(家)(商)(业)(银)(行)(信)(用)(卡)(消)(费)(积)(分)(奖)(励)(机)(制)(、尤)(其)(是)(银)(行)(针)(对)(具)(体)(时)(段)(、特)(定)(商)(品)(或)(特)(定)(消)(费)(场)(合)(推)(出)(特)(殊)(优)(惠)(办)(法)(,通)(过)(大)(量)(信)(用)(卡)(和)(POS机)(疯)(狂)(循)(环)(刷)(卡)(,制)(造)(虚)(假)(交)(易)(骗)(取)(高)(额)(积)(分)(,兑)(换)(礼)(遇)(后)(将)(之)(变)(现)(。据)(警)(方)(公)(布)(,犯)(罪)(团)(伙)(累)(计)(交)(易)(金)(额)(8亿)(元)(、非)(法)(获)(利)(3000余)(万)(元)(。
法)(网)(恢)(恢)(。恶)(意)(羊)(毛)(党)(此)(种)(行)(径)(的)(本)(质)(是)(以)(“非)(法)(占)(有)(”,属)(于)(骗)(取)(公)(私)(财)(物)(。上)(述)(团)(伙)(被)(以)(诈)(骗)(罪)(追)(究)(刑)(事)(责)(任)(。
而)(比)(这)(情)(节)(更)(严)(重)(的)(,是)(组)(织)(更)(严)(密)(、技)(术)(化)(手)(段)(高)(得)(多)(的)(互)(联)(网)(“黑)(产)(”式)(羊)(毛)(党)(产)(业)(链)(,他)(们)(能)(力)(超)(乎)(我)(们)(普)(罗)(大)(众)(的)(想)(象)(。网)(络)(安)(全)(专)(家)(告)(诉)(“愉)(见)(财)(经)(”,上)(到)(BAT、银)(行)(信)(用)(卡)(中)(心)(、电)(商)(巨)(头)(,下)(到)(不)(知)(名)(互)(联)(网)(公)(司)(,只)(要)(举)(办)(市)(场)(活)(动)(,都)(可)(能)(面)(临)(羊)(毛)(党)(的)(巨)(大)(威)(胁)(。
2015年)(7月)(,广)(州)(某)(个)(互)(金)(公)(司)(,为)(了)(获)(客)(,做)(起)(了)(只)(要)(开)(户)(投)(资)(即)(送)(百)(余)(元)(代)(金)(券)(的)(优)(惠)(,代)(金)(券)(可)(折)(合)(现)(金)(到)(期)(与)(本)(金)(一)(并)(赎)(回)(。这)(个)(补)(贴)(计)(划)(被)(一)(伙)(来)(自)(湖)(南)(的)(羊)(毛)(党)(团)(伙)(给)(瞄)(上)(了)(,结)(果)(,短)(时)(间)(内)(密)(密)(麻)(麻)(的)(投)(资)(账)(户)(全)(部)(靠)(买)(入)(7天)(期)(的)(超)(短)(标)(薅)(走)(代)(金)(券)(,到)(期)(集)(体)(赎)(回)(。(值)(得)(一)(提)(的)(是)(,现)(在)(的)(技)(术)(已)(经)(发)(展)(到)(,申)(请)(环)(节)(都)(可)(以)(用)(机)(器)(人)(技)(术)(、机)(器)(人)(账)(号)(薅)(羊)(毛)(了)(。)
彼)(时)(这)(家)(互)(金)(平)(台)(还)(算)(是)(在)(融)(到)(了)(两)(个)(亿)(的)(风)(口)(,但)(依)(然)(因)(此)(事)(件)(的)(重)(压)(再)(没)(能)(缓)(过)(气)(来)(,最)(后)(倒)(闭)(了)(——就)(这)(么)(活)(生)(生)(地)(死)(在)(了)(团)(伙)(羊)(毛)(党)(手)(里)(。
银)(行)(两)(难)(
聊)(到)(这)(里)(,如)(果)(各)(位)(仍)(觉)(得)(吃)(瓜)(看)(戏)(、事)(不)(关)(己)(的)(话)(,也)(许)(未)(必)(。
蝴)(蝶)(效)(应)(,万)(事)(相)(联)(。从)(整)(个)(社)(会)(经)(济)(生)(态)(来)(看)(,因)(网)(络)(“黑)(产)(”而)(灭)(失)(的)(价)(值)(,最)(终)(会)(价)(值)(守)(恒)(在)(你)(我)(皆)(在)(的)(体)(系)(之)(中)(,恶)(果)(是)(扩)(散)(在)(生)(态)(里)(的)(;而)(从)(小)(处)(着)(眼)(,促)(销)(机)(构)(给)(出)(的)(优)(惠)(如)(果)(被)(羊)(毛)(党)(大)(量)(卷)(走)(,那)(就)(意)(味)(着)(我)(们)(这)(些)(真)(正)(的)(消)(费)(者)(,权)(益)(受)(损)(。
比)(如)(,我)(们)(时)(有)(遇)(到)(某)(些)(优)(惠)(幅)(度)(很)(大)(的)(奖)(励)(金)(、折)(扣)(券)(、红)(包)(、限)(时)(抢)(兑)(等)(,在)(极)(短)(的)(时)(间)(内)(就)(被)(“秒)(杀)(”一)(空)(,我)(们)(的)(第)(一)(反)(应)(不)(是)(懊)(恼)(自)(己)(来)(得)(不)(够)(早)(、手)(速)(不)(够)(快)(,就)(是)(怀)(疑)(促)(销)(机)(构)(没)(诚)(意)(,一)(定)(只)(发)(了)(一)(点)(点)(红)(包)(。但)(其)(实)(这)(背)(后)(很)(可)(能)(有)(一)(个)(隐)(藏)(的)(“凶)(手)(”:羊)(毛)(党)(“蝗)(虫)(过)(境)(”了)(。
上)(文)(所)(及)(的)(武)(汉)(警)(方)(破)(获)(信)(用)(卡)(积)(分)(非)(法)(套)(利)(案)(后)(,当)(地)(警)(方)(有)(一)(段)(说)(辞)(,转)(述)(了)(银)(行)(们)(的)(防)(范)(办)(法)(,既)(包)(括)(利)(用)(大)(数)(据)(监)(控)(方)(式)(筛)(查)(异)(常)(刷)(卡)(大)(额)(交)(易)(,也)(包)(括)(一)(些)(银)(行)(完)(善)(信)(用)(卡)(积)(分)(制)(度)(,比)(如)(设)(置)(年)(度)(积)(分)(上)(限)(等)(办)(法)(。
从)(这)(套)(逻)(辑)(,“愉)(见)(财)(经)(”再)(陪)(大)(家)(来)(观)(察)(近)(阶)(段)(“完)(善)(”过)(信)(用)(卡)(积)(分)(及)(权)(益)(制)(度)(的)(银)(行)(。
民)(生)(银)(行)(信)(用)(卡)(,自)(今)(年)(9月)(1日)(起)(,对)(信)(用)(卡)(积)(分)(累)(计)(规)(则)(进)(行)(调)(整)(:单)(个)(自)(然)(月)(内)(,按)(照)(客)(户)(名)(下)(已)(激)(活)(卡)(片)((不)(含)(公)(务)(卡)(和)(消)(贷)(类)(卡)()客)(户)(级)(授)(信)(额)(度)(的)(2倍)(,设)(定)(积)(分)(累)(计)(额)(度)(上)(限)(,超)(出)(的)(部)(分)(将)(不)(再)(累)(计)(至)(持)(卡)(客)(户)(的)(账)(户)(中)(。
广)(发)(银)(行)(信)(用)(卡)(,自)(今)(年)(7月)(1日)(起)(,航)(空)(类)(、商)(旅)(类)(联)(名)(信)(用)(卡)(每)(月)(刷)(卡)(消)(费)(享)(受)(累)(计)(航)(空)(里)(程)(或)(合)(作)(方)(积)(分)(的)(消)(费)((计)(积)(分)()金)(额)(最)(高)(不)(超)(过)(客)(户)(卡)(片)(消)(费)(额)(度)(的)(指)(定)(倍)(数)((三)(星)(级)(及)(以)(上)(客)(户)(不)(超)(过)(1.5倍)(,三)(星)(级)(以)(下)(客)(户)(不)(超)(过)(1倍)();且)(每)(卡)(每)(年)(累)(计)(航)(空)(里)(程)(或)(合)(作)(方)(积)(分)(的)(消)(费)((计)(积)(分)()金)(额)(不)(超)(过)(60万)(元)((依)(据)(卡)(种)(不)(同)(,每)(卡)(每)(年)(累)(计)(航)(空)(里)(程)(不)(超)(过)(3万)(或)(5万)(里)(程)()。
平)(安)(银)(行)(信)(用)(卡)((涉)(及)(多)(卡)(种)(),自)(今)(年)(12月)(15日)(起)(,积)(分)(兑)(换)(的)(机)(场)(/火)(车)(站)(接)(送)(服)(务)(将)(仅)(限)(获)(得)(该)(权)(益)(的)(持)(卡)(人)(本)(人)(使)(用)(。这)(项)(权)(益)(原)(本)(是)(可)(以)(使)(用)(于)(持)(卡)(人)(指)(定)(对)(象)(的)(,好)(比)(我)(工)(作)(忙)(来)(不)(及)(接)(送)(时)(就)(经)(常)(用)(此)(礼)(遇)(帮)(我)(爸)(爸)(妈)(妈)(订)(车)(。可)(是)(现)(在)(,我)(的)(正)(常)(需)(求)(也)(被)(打)(扰)(了)(。
不)(过)(对)(于)(调)(整)(,平)(安)(银)(行)(给)(出)(的)(官)(方)(解)(释)(是)(为)(了)(“保)(障)(持)(卡)(人)(的)(乘)(车)(安)(全)(”,这)(当)(然)(也)(是)(很)(有)(道)(理)(的)(,我)(所)(做)(的)(判)(断)(只)(能)(算)(是)(外)(围)(猜)(测)(。但)(我)(相)(信)(,他)(们)(的)(调)(整)(里)(,或)(多)(或)(少)(有)(对)(“羊)(毛)(党)(”的)(防)(备)(与)(避)(让)(。因)(为)(阻)(断)(了)(权)(益)(转)(赠)(,就)(相)(当)(于)(阻)(断)(了)(羊)(毛)(党)(的)(变)(现)(路)(径)(。
可)(是)(,上)(述)(这)(些)(银)(行)(的)(产)(品)(设)(计)(者)(,恐)(怕)(内)(心)(是)(两)(难)(而)(纠)(结)(的)(吧)(。相)(信)(若)(不)(是)(因)(为)(种)(种)(外)(部)(因)(素)(,他)(们)(是)(很)(愿)(意)(让)(良)(性)(用)(卡)(的)(持)(卡)(人)(得)(到)(权)(益)(最)(大)(化)(,以)(飨)(忠)(实)(用)(户)(的)(吧)(。反)(过)(来)(,银)(行)(的)(精)(算)(逻)(辑)(里)(,也)(只)(有)(让)(这)(批)(优)(质)(客)(户)(真)(正)(在)(服)(务)(中)(获)(得)(满)(意)(,才)(能)(换)(取)(他)(们)(的)(活)(跃)(度)(、粘)(性)(,以)(及)(真)(正)(有)(息)(费)(可)(赚)(、综)(合)(产)(品)(可)(开)(发)(的)(好)(业)(务)(——这)(才)(是)(金)(融)(机)(构)(与)(金)(融)(消)(费)(者)(之)(间)(共)(赢)(的)(良)(性)(循)(环)(。
都)(怪)(恶)(意)(羊)(毛)(党)(!银)(行)(做)(积)(分)(礼)(遇)(、做)(促)(销)(所)(投)(下)(去)(的)(真)(金)(白)(银)(,不)(能)(靶)(向)(地)(到)(我)(们)(手)(上)(,都)(被)(他)(们)(用)(违)(规)(甚)(至)(非)(法)(手)(段)(窃)(走)(。
写)(此)(一)(文)(,是)(为)(一)(叹)(。返)(回)(搜)(狐)(,查)(看)(更)(多)(
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