Credit Card SCAM- My own experience - Please Stay Alert.

Today I hit by Credit Card SCAM and I lost RM5k to this SCAM. Really a huge lost for a lesson, please help to forward

The tricks they are using is, (03-21698888)call me in the early morning and ask me whether I call to request to increase limit for my MBF card, I said nope, I don’t have MBF card, she said you applied on May and purchased something at Sentosa Singapore on June, now already reach 8.5k, the mailing address of this card is Sibu Sarawak-Applied at Sibu Branch. I denied. She gave me Bank Negara phone to report this fault to Bank Negara. I really stupid did not check properly the phone is from MBF card and also Bank Negara.

When I called Bank Negara, they act professionally that want to record down all the phone conversation, got report number, want me disclose all my saving, current and credit card, as they want to block it and monitor all the transaction for this three days investigation, they will catch if got any transaction made during this three days, ask me not to perform any transaction, don’t tell anyone as it will cause problem to investigation, and after investigation, they will issue letter to MBF card that this is fault and not need to bear the 8.5k, Later, polis will call you if anything needed. About 30min of conversation from my phone to fake Bank Negara

He told me to wait another call from his colleague to reset all my ATM card transaction as there is a special code inside ATM card, she asked me to bring my Maybank and PB Bank Account ATM, to nearest Branch to wait her further request. I followed.

Later, she (03-27826889) ask me to disclose all the amount insides (I have 7k in my Public Bank Account, of course not my money, is society money), for record purpose then ask me to follow steps she mentioned, I just followed, first round of steps just to confuse me, the second steps is to transfer 4999.40 to one Maybank Account (112028150548) but she did not mentioned is transferring, but just to reset pin in ATM the steps, she said is the investigation polis name, he will return me after complete investigation, she said not need to worry, remember this is still under 3 days investigation, any amount lost during this three days investigation is covered by Bank Negara Insurance, later she persuade me to follow each steps, transferred is done, but not reach to the stage she mentioned, so she blamed me too slow and did not follow his instruction, so I started to suspect something, I argue with her why is like that, money already transferred, she said stay calm, will transfer back to you soon but want me find another 10k so that she able to transfer back, I said don’t have, she asked me to borrow, later she reduce to 6k, I suspected something wrong, she hang up phone and asked to call back after got enough 6k if, not she cannot helped.

Only then I call to Bank Negara-got from website, found it is a scam, I need to cancel all my credit card and ATM cards, nothing much can be done from Bank, Polis and Bank Negara.

As I heard from Public Bank, yesterday also got the same scenario, so far she heard of 3-4 cases recently.

理財的“五個一”工程

1、一生恪守量入為出

拳王泰森從20歲開始打拳，到40歲時掙了將近4億美元，但他花錢無度，別墅有100多個房間，幾十輛跑車，養老虎當寵物，結果到2004年底，他 破產的時候還欠了國家稅務局1000萬美元。如果你不是含著金鑰匙出生，享受應該是40歲以後的事，年輕時必須付出、拚搏，老來窮才是最苦的事情。

2、不要夢想一夜暴富

天上沒有餡餅，天上有甚麼？雨、雪、沙塵暴，偶爾會掉下一個花盆甚麼的，一定不會有餡餅掉下，中國有句俗話“財不進急門”。

一年40至50%賺利機會不可信，要想想別人的動機，聽起來過於完美的東西往往不是真的。很多中了彩票頭獎的人10年後還是貧困，因為買大房子、買車，鑽出幾十個窮親戚。

當別人給你貌似很好的投資機會時，問自己六個問題：
1、誰在賣我東西，對方的信譽如何？
2、我的錢用甚麼去了？
3、我賺的是甚麼錢，盈利模式。
4、收益率合理嗎？年收益1至5%低，5至8%中等，8%以上高。
5、如果我不投資了，賣得出去嗎？
6、如果賣不出去，可以自用嗎？

六個問題如果有兩個以上有疑問，就不大可信。

3、不要讓債務纏住一生

房奴、車奴、卡奴。月還款應該在收入的30%以下，50%會非常難受。想好你是否具備財務能力再買房，沒能力買房就是房奴。

車奴更甚，車子是持續消費。日本富翁每天拎著飯盒坐公共交通。信用卡是財務鴉片。

改變生活要從小錢開始還，還卡－－還車－－還房－－存錢－－投資。

你永遠算不過銀行，擺脫財務要還本而不是還息。

4、一夫一妻一個孩

結婚不是最大的財就是最大的債。所以不要輕易結婚與輕易離婚。

5、專心一項投資

中國有一句老話叫一招鮮，吃遍天，一生做好一件投資你就會過上美滿和幸福的生活，不是去賭。不熟不做，不懂不投，不要從眾。有些錢不是你的。

星洲日報

年輕人理財3步驟

剛踏入社會的年輕人，雖是零資產，也是零負債，開始有了收入后，如何奠下財務根基，顯得很重要。

有了良好財務基礎，不管是未來成家還是立業，都可更具彈性人生大計。

理財師說，年輕人理財三步驟包括記賬、攢錢及投資。

第1步：記賬

年輕人的理財方法第一步其實很簡單，記賬。

現代年輕人眼中，“月光一族”已不是什么新鮮詞，甚至可能已經發展成“半月光”了。剛開始賺錢，就想過奢侈生活，卻忘了自己每個月薪水幾多，花在什么地方不得而知。

從現在開始，準備一個帳本，看著記下來的賬目，絕對會讓自己大吃一驚，原來自己花錢是這樣沒有節制，然后在下一次花錢時，總會想想應該還是不應該。

這個習慣可以幫助年輕人逐步控制開支，為進一步的理財做好準備。所以，記賬，從現在開始。

第2步：攢錢

攢錢是一切理財的基礎，財富不是從天上掉下來的。每個月超額消費后，還有錢可攢嗎？如果沒有，那么從現在開始，學會攢錢。

對年輕人來講，多少錢都不算多，總有許多方法可以花掉；多少錢也都不算少，因為反正都不夠用。

所以，強迫儲蓄是起步時最好的方法。

年輕朋友不要擔心持續存錢會讓每月的負擔加重。而且一旦存到每個月1000令吉，或到真的負擔不了時，完全可以停下來。

第3步： 投資

對于年輕人來說，基金定投是最合適的投資工具。每月可以拿出至少100令吉，在銀行簽訂一個基金扣款協定，在不影響自己生活的情況下，不知不覺給自己積累一筆意想不到的財富。

購買期交保險，也是投資的一種方式。15年或20年付完它，在最有能力賺錢時，解決這個看起來的“負擔”，但實際上是在進行一個穩健型的投資規劃，也堅固了自己的保障問題。

當存款積累到一定金額時，也可以開始考慮房產投資或銀行推出的金融理財產品。

年輕人總是不怕風險，一方面是因為年紀輕，另外一方面是有時間和能力去賺更多錢，因此可以承受一些投資上的損失。

如果不願意承擔基金或房產投資的風險，又習慣定期儲蓄的方式，分紅型或萬能型保險也是抵禦通貨膨脹，避免貨幣貶值的不錯選擇。

財商高低和年齡無關，跟資金大小更是無關。理財是一個良好習慣，更是每個年輕人踏入社會和學習生活的必修課，學會了這幾點相信自己的財務狀況會大大改變的。

中國報