刷1萬拿9千 踢爆全台最大假消費真借款集 - 信用卡
By David
at 2018-11-06T10:21
at 2018-11-06T10:21
Table of Contents
【刷卡換現金】刷1萬拿9千 踢爆全台最大假消費真借款集團
https://www.mirrormedia.mg/story/20181104inv001
網路上「刷卡換現金」的廣告隨處可見,其中卻暗藏陷阱,持卡人不僅可能損失手續費,
甚至因此吃上官司。本刊最近接獲爆料,指號稱全台最大的「陳小姐刷卡換現金」集團,
以各地家樂福為據點,進行「假消費真借款」交易,涉犯詐欺及重利罪。
為了解該集團的運作模式,本刊10月底透過管道安排一位A先生照著廣告上的電話與集團
聯繫。接電話的是一名中年婦人,她問A先生所處位置?準備刷多少錢?A先生告訴對方他
在西門町,最少刷1萬元,婦人回答:「我們收300元手續費,如果同意,中午12點到家樂
福桂林店等候,到時會有人跟你聯繫。」
中午11點半,A先生提早到家樂福,12點左右,一名男子打電話給他,說是刷卡換現金公
司的業務,因前面還有客戶,所以會晚一點到。拖到下午快1點,一名身穿迷彩外套的眼
鏡男才出現在家樂福2樓入口,與A先生碰面。
眼鏡男確定A先生的身分後,熟門熟路地帶著他往家樂福的家電區走去。對方告訴A先生:
「等一下我們到家電服務台買禮物卡,簡單說就是儲值卡,等同於禮券,你要刷多少錢?
」A先生告訴眼鏡男:「我先刷1萬元,你收300元對吧?」不料眼鏡男竟然回答:「我們
要收1000元喔!」
眼鏡男解釋:「一般刷卡機銀行要收2%~3%,還要開5%發票,怎麼可能只收3%?你去
打聽,所有刷卡換現金公司都收10%。」聽到眼鏡男這麼說,A先生反問:「你們廣告說1
%,電話說3%,到了現場又變成10%,這樣不對吧!」
看到A先生不太高興,眼鏡男沒在怕,直接回嗆:「要不要隨便你!」A先生選擇妥協,不
過他也告訴眼鏡男:「現在已經1點多,離3點半沒多久了,你要我去哪裡借錢啊?這次算
了,但麻煩你們以後電話裡要說清楚!」
雖然氣氛有點僵,但眼鏡男還是帶A先生到家電服務台,刷了1萬元買禮物卡,A先生把禮
物卡交給眼鏡男,眼鏡男則拿9千元現金給A先生。
這時,A先生看到眼鏡男手上還有厚厚1疊禮物卡,便問對方是否都是刷卡換現金的成果?
眼鏡男大方承認,說這是最省時、方便的融資管道,很多人無法向銀行、朋友借錢,也不
敢去地下錢莊借,就會找他們救急,所以生意不錯,話一說完,眼鏡男就搭電梯到停車場
開車離去。
--
https://www.mirrormedia.mg/story/20181104inv001
網路上「刷卡換現金」的廣告隨處可見,其中卻暗藏陷阱,持卡人不僅可能損失手續費,
甚至因此吃上官司。本刊最近接獲爆料,指號稱全台最大的「陳小姐刷卡換現金」集團,
以各地家樂福為據點,進行「假消費真借款」交易,涉犯詐欺及重利罪。
為了解該集團的運作模式,本刊10月底透過管道安排一位A先生照著廣告上的電話與集團
聯繫。接電話的是一名中年婦人,她問A先生所處位置?準備刷多少錢?A先生告訴對方他
在西門町,最少刷1萬元,婦人回答:「我們收300元手續費,如果同意,中午12點到家樂
福桂林店等候,到時會有人跟你聯繫。」
中午11點半,A先生提早到家樂福,12點左右,一名男子打電話給他,說是刷卡換現金公
司的業務,因前面還有客戶,所以會晚一點到。拖到下午快1點,一名身穿迷彩外套的眼
鏡男才出現在家樂福2樓入口,與A先生碰面。
眼鏡男確定A先生的身分後,熟門熟路地帶著他往家樂福的家電區走去。對方告訴A先生:
「等一下我們到家電服務台買禮物卡,簡單說就是儲值卡,等同於禮券,你要刷多少錢?
」A先生告訴眼鏡男:「我先刷1萬元,你收300元對吧?」不料眼鏡男竟然回答:「我們
要收1000元喔!」
眼鏡男解釋:「一般刷卡機銀行要收2%~3%,還要開5%發票,怎麼可能只收3%?你去
打聽,所有刷卡換現金公司都收10%。」聽到眼鏡男這麼說,A先生反問:「你們廣告說1
%,電話說3%,到了現場又變成10%,這樣不對吧!」
看到A先生不太高興,眼鏡男沒在怕,直接回嗆:「要不要隨便你!」A先生選擇妥協,不
過他也告訴眼鏡男:「現在已經1點多,離3點半沒多久了,你要我去哪裡借錢啊?這次算
了,但麻煩你們以後電話裡要說清楚!」
雖然氣氛有點僵,但眼鏡男還是帶A先生到家電服務台,刷了1萬元買禮物卡,A先生把禮
物卡交給眼鏡男,眼鏡男則拿9千元現金給A先生。
這時,A先生看到眼鏡男手上還有厚厚1疊禮物卡,便問對方是否都是刷卡換現金的成果?
眼鏡男大方承認,說這是最省時、方便的融資管道,很多人無法向銀行、朋友借錢,也不
敢去地下錢莊借,就會找他們救急,所以生意不錯,話一說完,眼鏡男就搭電梯到停車場
開車離去。
--
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信用卡
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