Protecting yourself against identity fraud

Publisher:刘琪Published:2018-11-21Times :10

Dear students,

Recently we've been informed that several CPU students became victims of internet fraud. Identity theft happens when fraudsters access enough information about someone’s identity (such as name, date of birth, current or previous addresses, passport number) to commit identity fraud. Criminals commit identity theft by stealing your personal information. This is often done by taking documents from your rubbish or by making informal contact with you and pretending to be from a legitimate organisation.

Fraudsters can use your identity details to:

  • Open bank accounts.

  • Obtain credit cards, loans and state benefits.

  • Order goods in your name.

  • Take over your existing accounts.

  • Take out mobile phone contracts.

  • Obtain genuine documents such as passports and driving licences in your name.

Ways to Protect yourself against identity fraud

  • Don't expect super-cheap air tickets, mobile phones or other goods. 

  • Don't expect to become an associate or business partner with someone in the internet you don't know well. 

  • Don’t throw out anything with your name, address or financial details without shredding it first.

  • If you receive an unsolicited WeChat msg, email or phone call from what appears to be your bank or building society asking for your security details, never reveal your full password, login details or account numbers. Be aware that a bank will never ask for your PIN or for a whole security number or password.

  • Do not give mobile activation/verification number to someone else. 

  • Check your statements carefully and report anything suspicious to the bank or financial service provider concerned.

  • Don’t leave your documents lying around for others to look at.

  • If you’re expecting a bank or credit card statement and it doesn’t arrive, tell your bank or credit card company.

  • If you move house, redirect your post.

What should you do if you’ve been a victim of identity fraud?

  • Act quickly – you mustn’t ignore the problem. Even though you didn’t order those goods or open that bank account, the bad debts will end up under your name and address and police might contact you. 

  • Call the police (better with some classmates who speak good Chinese, or use interpretation tools). The police will then record your case and decide whether to carry out follow-up investigations.

  • If you believe you’re a victim of identity fraud involving bank cards (e.g. credit and debit cards), online banking or cheques, you must report it to your bank as soon as possible. Your bank will then be responsible for investigating the issue and they will report any case of criminal activity to the police.