BN I,
HY T CU MNH TRНC KHI TRI CU

NGUYN XUN NAM


LTS: Ban Bin Tp ang ngi bn bc ni dung s bo. Khi NJ cp ljn trang ti chnh, anh em ang tm kim NJ ti sao cho va hay, va ch li (bit u c th gi hng cho Ƕc gi lm n thng mi, u t...). Lc , anh Ng Anh Tun " gim c ti chnh ca cng ty " ln ting NJ ngh Ban Bin Tp nn vit v NJ ti gian ln trong vic s dng credit card. Anh Tun cho rng bi vit v vn NJ ny s hu ch cho Ƕc gi hn bi tnh trng gian ln ang trn lan, v c th e da bt k ai. thm phn thuyt phc, anh Tun cn a cho xem bi bo "How to protect yourself from the Credit Fraud Epidemic" (Phng Php T Bo V Mnh Trnh Khi Cn Dch Gian Ln Tn Dng) ܮc ng trn tp ch Money s thng 8 nm 1995. Mt phn ca bi ny ܮc ngܩi vit s dng li trong bi vit "Bn i, hy t cu mnh, trܧc khi tri cu" dui y.


CHIC TH QUYN NNG

X hi Hoa K ang tin vo hܧng ܮc gi l cashless society (x hi khng xi tin mt). Mt trong nhng vn NJ quan trng dn ljn x hi l vic ra ǩi v s dng mt cch thnh hnh credit card. Hu ht chng ta NJu c t nht mt chic th "powerful" ny. Khng cn di dng, ai cng hiu r n powerful ljn mc no. Ch cn c n, bn c th tiu tin bt k ni no, u trn tri t ny, d cho cc quc gia chm tin. Ngay c Vit Nam, mt qu hng cn lc hu nhiu chuyn, chng ta vn c th dng credit card vo Vietcombank rt tin la, vo cc ca hiu ca phi trܩng Tn Sn Nht shopping, vo cc khch sn ln tr tin phng, tin n... "Quyn nng" ca tm th credit card ny tht l kinh khng, bi mt s hng cp th cn tng thm cng dng cho n, nh hng AT&T pht hnh Universal card m bn v ti c th s dng trong vic gi in thoi na - va l credit card, va l calling card. Ngy mai, c th mt s cng dng mi ngoi cc cng dng nh ni trn s ܮc b sung vo credit card; v nh th, chic th ny s ngy cng cng dng hn bao gi ht. R l mt chic th quyn nng.

CHUYN THОNG NGY

Chuyn tht lc, mt mt l chuyn thܩng ngy. Th gii ny l v thܩng m. Thn th ny l ci m ta qu nht kia m ta cn gi cha ܮc, cn phi "ht bi no ha kip thn ti, Nj mt mai ti tr v lm ct bi" hay "nt vi c cy" kia m, hung h g nhng vt ngoi thn do con ngܩi to nn, hay to ra. Chuyn mt mt l chuyn bnh thܩng nh ma v nng kia m.

Mi cch y mt vi tun, mt ngܩi bn ca chng ti k li chuyn "au bun" ca c ta. C mang hai s check - s check cng ty v s check ring - v gn 10 th credit cards cng nhng th th khc nh bng li xe, th an sinh x hi... C mang tt c nhng th theo ngܩi, trong mt ci v. Va bܧc chn vo nh sau khi i lm v, c pht hin mnh b mt v. C s hi, lo u, m in thoi gi khp ni. m hm y, c mt n, mt ng, hi hp, tܪng tܮng v s lung tung: khng bit ngܩi lܮm ܮc c s dng gian ln khng? Nu c, bao nhiu? Ngoi ra, khi c giy s an sinh x hi, c s bng li xe, c y "thng s" cn thit, liu ngܩi nh cp hay ngܩi lܮm ܮc c ni mu "tham sn si" ln m np, xin thm vi tm th credit cards na m tiu xi cho x lng khng?

Nhng cu hi nh th lo ln trn tr c, v ng trn i m mt ca c, lm c ta khng th no ng ܮc.

m su chm xung. C cn i ng Nj ngy mai c sc i lm, nhng khng th no chp mt ni. C mi ln nghe ting in thoi hay nghe ting xe dng ngoi ܩng, c vi chy xung giܩng, bc vi ng nghe hay di mt trng ra ܩng... C sng trong c mng vo m . Chuyn mt mt hay tht lc l chuyn thܩng ngy - nhng l mt chuyn thܩng ngy a chng ta vo c mng.

"TRUE-NAME FRAUD" - TR GIAN LN "THI THNG" TRONG X HI HOA K

"True-name fraud" l mt tr gian ln m c khi khng cn nh cp v ca bn mi gian ln ܮc. Mt ngܩi no v mt l do no bit ܮc mt s con s ca ring bn nh s th an sinh x hi, s th bng li, ngy sinh... Nj lm nhng th tn dng mang tn ca bn v t s dng tn tui bn, th ca bn trong mi giao dch gi mo v ti chnh... chnh l true name fraud. Bn hy cnh gic nh v c khi ngܩi khc tnh c bit ܮc, khng c d tm lm chuyn hi bn, nhng l thua bi hay tht nghip sinh ra tng thiu v trong lc trong th cng , c khi "tham sn si" vng dy v chi tr true name fraud khin chng ta phi au kh. Gi nhng con s cho k khng ch bo v cho mnh khng thi m cn bo v cho ngܩi khc khi b cm d vo con ܩng ti li.

Vic gi nhng con s c khi cn ngoi kh nng ca mnh. Ngy nay, khng cn phi n cp v, khng cn phi ln xem s ca ngܩi khc m c khi ngܩi khc bit ܮc do tnh c hay c tnh "xm nhp vo h thng data in ton" nh nhng tay computer hackers m bn khng bao gi hay bit. H ngi mt ni xa xi hng ngn dm, dng mt chic computer n gin, Nj ly ܮc mi thng tin m h cn. Khng phi ai cng lm ܮc chuyn ny, m ch nhng intruders hay nhng computer hackers lng danh mi lm ܮc. Tuy cnh st mi, cnh st cyberspace, truy lng bn ti phm trn khng gian cyber tht d di, th nhng chuyn h b bt cng khng phi d dng g. Nhng "tn trm siu khng gian" ny th chng ta nh phi b tay.

T nhng con s ny, h lm nhng giy cn cܧc hay credit cards gi mang tn chng ta Nj hnh s... Nh vy, ngoi ta, trn ci th gian ny cn c mt ngܩi khc mang ci tn nh ta, c mi th giy t nh ta, nhng li khng phi l ta. i sao m rc ri th nh!

"CN DCH"...TRN LAN

Chuyn gian ln v gi mo ny ngy cng d dng hn bi v nhng cng ty mun to iu kin d dng hn cho khch hng trong vic mua sm Nj ri h bn ܮc nhiu hng ha hn, kim ܮc nhiu li tc hn cho nn c khi ch cn nm ba pht kim tra s qua h s tn dng c nhn v h s tr tin ca ngܩi xin th tn dng l c th cp cho ngܩi chic th tn dng (instant credit) vi credit line (s tin c th mua sm ܮc) ln ljn 10 ngn la. Gi d mt ngܩi no "xi ǫ" tn bn, s giy t ca bn Nj xin instant credit, ri shopping o o, ri bn phi nhn ci bill vi nhng con s n kch s, bn c lo s khng v s gii quyt th no? Tuy bn c th khng phi tr s n "tri i" , nhng chuyn "tai nn" ny c th lm cho bn mt vi nm Nj "clean up" (xa sch) nhng "t vt" trn h s tn dng ca bn.

Bn bit khng, true name fraud l hnh thc gian ln ph bin nht trong hn mt nm rܫi qua. Theo c Susan Race Sylstra, gim c iu hnh ca International Association of Credit Card Investigators (Hip Hi Quc T ca Cc Nh iu Tra Th Tn Dng), trong s 50 t la m gii tiu th mua ti cc ca hng trong nm qua, c ljn 35 t ܮc mua bi nhng ngܩi trܧc xin th instant credit. Nh vy, kh nng b gian ln theo kiu "true name fraud" l rt cao, cho nn vic bo v nhng con s giy t c nhn l quan trng v cng.

L m b "true name fraud", ǩi ca chng ta s b nhc u mt ngn ln. u phi ai cng gii Anh vn, th nhng phi nhc in thoi gi i tm lum ni, bo co tm lum ch, cng lm thn mnh bm dp ri. Hn na, nn quan liu hnh chnh ca M thuc loi c ting lm cho mnh in ci u. Tp ch Money s ni trn ghi li chuyn m thoi ca mt nn nhn b true name fraud vi c Lachina -mt i din ca ban phc v khch hng v lnh vc s an sinh x hi ti thnh ph New York- nh sau:

- Mt ngܩi no ang dng s an sinh x hi ca ti Nj xin th tn dng.

- Bn khng th lm g ܮc c.

- C th no ǰi s an sinh x hi ca ti ܮc khng?

- Chng ti khng ǰi s. Khi m bn c s , th vnh vin l vy.

- Ti sao?

- Bi v cch ca n l nh vy.

- Mt nhn vin s in thoi 1 800 ca c ni vi ti l ti c th ǰi s.

- Ch rt, rt, rt t khi nh th...

Bn ngh th xem, vi s vn Anh vn t i ca mnh, bn v ti s lm g trong hon cnh nh trn?

Khng ch cu chuyn trn lm bn v ti thong git mnh, git mnh theo kiu: "Git mnh trn ǰ m hi lnh, mng p bn chn bin ri." Th mi thy mi chuyn NJu c mt tri ca n. Chng ta c khi "chܪi th" nu cc c quan cp th credit cards hch xch ta th, phi bo co th trܧc khi ܮc cp cho ci th. Chng ta mong mi th trn ǩi phi nhanh, phi l, phi t phin h. V cng v vy, vic gian ln mi c c hi pht trin mnh hn. i chao, ǩi l th m. Ai bo?

D cc c quan cp th tn dng gia tng nhanh chng s nhn vin kim tra v chng gian ln, th nhng con s gian ln ngy cng tng ng k. Steve Rotzow, mt i din bo v khch hng ti Trans Union, ni vi tc gi bi bo ni trn trn t Money rng ban ca anh ta i khi nhn ljn 1000 c in thoi hay th (cha bao gi dܧi 800) trong mt ngy Nj bo co tnh trng gian ln. Ban ca anh 3 nm trܧc ch c 2 ngܩi, by gi c ljn 40 nhn vin, v cn tng thm na... Cu Tri, trong sut cuc ǩi cn li, bn v ti khng phi vit th hay gi in thoi bo co rng c th mnh ang b ai gian ln. Mt hnh phc tht mong manh.

MT VI HНNG DN T "CU MNH"

1. Gi th (hay s) an sinh x hi ca bn mt ch an ton. ng b trong v ca bn.

2. Ch mang nhng th tn dng m bn thܩng xuyn cn.

3. Trnh ni s an sinh x hi ca mnh qua in thoi tr phi bn ch Ƕng gi v bit mnh ang ni chuyn vi ai.

4. Nu v ca bn b trm, ngay lp tc phi bo cho ba c quan xp loi tn dng nh sau: Trans Union (800 680 7289), Equifax (800 525 6285) v TRW (800 422 4879) v yu cu c bn bo co b gian ln (consumer fraud statement) trn bn bo co tn dng (credit reports) ca chnh bn. (Theo tp ch Money).


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