1. POS machine handling common scams
1. POS machine that claims to be able to raise the amount after swiping the card
Some informal POS machines falsely promote their products under the slogan of raising the limit, but in reality, no institution can control the growth of the credit card limit, and each bank has its own limit for the credit card limit. Mechanism, and everyone’s credit score is different, the limit is also different, so as long as you encounter a swipe card for three months or half a year to increase the amount, it is a liar. Only by continuously accumulating your own comprehensive credit score can you effectively increase the amount!
2. Claiming 100% POS machines with points
If you want to swipe your card to earn points, you must first understand the rules of credit cards. For example, Ping An cardholders have no points for real estate, wholesale, home appliances, auto sales and maintenance, and utility bills! 100% POS machines without code hopping exist, but 100% POS machines with points are impossible.
3. Claims that bank POS machines are safer than third-party POS machines
POS machines are carried out by institutions that have formal third-party payment licenses issued by the central bank Bank card acquiring, banks do not have the authority to issue POS machines, only third-party payment companies can do POS machines. Bank POS machines are not handled by individuals, only POS machines handled by third-party organizations can be opened personally, so all those who say they are bank POS machines and can open personal collection services are all POS machine liars.
Second, free delivery routines for POS machines
1. Free delivery of machines does not require money, but the premise of free delivery is that the customer’s running water must meet the standard and pay the company’s It is required that the production of each POS machine has a cost, so the payment company will formulate activation conditions and assessment rules for its own products. If it does not meet the standards, the agent needs to bear the deduction of the machine, so the POS machine agent will avoid the deduction. Collect the customer’s “deposit” in advance, and return it to the customer when the flow reaches the standard.
Of course, there are also criminals who sell illegal POS machines with free signs, maliciously defrauding customers’ deposits or even pocketing the credit card amount, so the POS machine agent who sends you free of charge is either a liar or a philanthropist, so When choosing to handle POS machines, it is better to choose formal channels, and do not cause unnecessary losses for the sake of cheapness.
2. Merchant hopping code, in simple terms, is that you swipe the standard merchants provided by the payment institution on the POS machine, and the result is actually changed to coupons or discounts for you, but it is still in accordance with the standard Such merchants will charge you a handling fee.
3. Another option is to let you scan the code on Alipay and get it for free. In fact, you can use Alipay’s Sesame Credit’s deposit-free and rental function to get it. Your Alipay withholds the deposit.
There is no free lunch in the world, and the machines that deliver for free are basically pits! Therefore, it is necessary to increase the awareness of fraud prevention.
Three, how to complain if the deposit is cheated by the pos machine
Negotiate with the salesman first, if the two sides disagree. You can file a complaint with the payment company that the machine belongs to. Generally, the payment company will ask the agent to return the deposit to you.
Complain to the payment company through online complaint platforms such as “Black Cat”, the platform will feedback the content of the complaint to the payment company, and the payment company will handle it.
Dial 12315 to file a complaint, or search for the China Consumers Association, or search for local complaint numbers. If the amount is large, you can call the police, and if the amount is small, you can file a complaint with the Market Supervision and Administration Bureau.
The last resort is to file a complaint with the China Banking and Insurance Regulatory Bureau, complaining that the payment company to which the machine belongs has the problem of deposit fraud, which will turn passive into active, waiting for the payment company to find you to solve it.
