Be Careful! New Scam On WeChat 警惕新型微信诈骗！
▲Click above to subscribe 点击上方蓝字关注我们▲
In order to make it easier to manage payment for relatives, WeChat came up with a "Relative Cards" solution. The function is in your Wallet-> Relative Cards.
为了方便亲属支付管理，微信推出了“微信亲属卡”功能。该功能可以在微信钱包->微信亲属卡找到。
After choosing Relative Cards the following page will appear.
选择亲属卡后，将出现以下页面。
After you press Send, you will choose the nature of the relationship, father, mother, or child.
按“赠送”后选择你想赠予的亲戚，父亲、母亲或子女。
I chose father, the following page appeared:
我选择了父亲，后来出现了以下页面：
You can gift relatives a card amounting 0.01 - 3000 per month for their own consumption, they spend, you pay. That is it, very simple and can make life easier, but unfortunately, scammers have eyed this function.
你可以给亲戚赠送一张每月0.01-3000元的卡，供他们自己消费，他们消费，你付钱。就怎么简单，可以让生活更加便捷，但不幸的是，骗子已经注意到了这个功能。
How? 怎么？
You receive a friend request, addressing your real name and reasons why the person wants to add you. The request can be:
"Hi (Your Name), my sister asked me to add you, there is something I need to ask, please accept my request, thanks!"
你收到一个微信添加朋友的请求，写明你的真实姓名以及对方想要添加你的原因。请求模版是：
“你好（你的名字），我姐姐让我加你，我有点事请教你，请通过一下，谢谢！”
Or some variations of this message, using "aunt", "uncle", "father", etc instead of "sister". When you accept their request, they will start giving an impression that they are well mannered and do not lack money. In other words, they will start a process called social engineering to gain your trust. Have you ever accidentally send or receive a red packet? Transfer? Call? Message? It happens, right?
不仅仅是用“姐姐”，还可以是“阿姨”，“叔叔”，“爸爸”等等。当你通过ta的请求时，ta会开始包装自己，给你一种彬彬有礼、不缺钱的印象。换句话说，ta会启动一个叫做社会工程的过程来获得你的信任。你是否曾意外地发送或收到红包，或许转账，打电话，发短信给错人的？这种事情总是会发生的，对吧？
One day you will receive a relative card sent to you by the other part, when you are still trying to figure out why and how, another message will follow.
"Dear, I wanted to send a relative card to my parents, but I accidentally sent to you. Now my parents are outside waiting to pay, it is very urgent, please send it back."
有一天你会收到对方赠给你的一张亲属卡，当你还在弄清楚理由时，你会收到另一条信息。
“亲，我想给我父母发亲属卡，但我不小心发给你了。现在我父母在外面等着付款，很急，帮我退回来吧。”
As you have seen the card above, it looks really good, the relationship and the amount is shown clearly. Since there is no reject option, the only way is to not accept the card, but it will take 24 hours to expire, but the man says it is urgent.
上面我们已经看到那张亲属卡，关系和金额显示着很清楚。在这个情况下，既然没有拒绝的选择，唯一的办法就是不接受这个卡，但它需要24小时后才能到期，对方说这是紧急的事情，怎么办?
So you may accept the card, and decide either to pay him the same amount, or send him a relative card with the same amount. If you chose the second option, very soon(usually almost instantly) you will receive a notification xxx amount has been deducted from your Wechat wallet.
那么你可以接受这张卡，选择转给对方相同的金额，或者给他一张相同金额的亲属卡。如果您选择的是后者，你很快（一般是立即）会收到扣款凭证，说明xxx金额已从您的微信钱包中飞走了。
So later, when you want to send a red packet to your friend, transfer some money, or just pay by scanning the QR code using the amount from the relative card that your friend sent you. Boom, you will finda that you can't. It's written 3000, why does it say balance is not enough?
那么事情过以后，你也许想会给你的朋友发红包，扫码付款或者转账用你朋友赠给你的亲属卡上的钱？我艹，余额不足。余额不足?明明显示有三千块钱， 这是什么情况？
Why 为什么
When you set up a Relative Card and gift it to someone, you just set amount that the relative can use, it does not actually deduct the money from your Wechat wallet.
Say, if your WeChat wallet and the linked bank cards do not have enough money, and the person you gifted the card went shopping, they won't be able to use the relative card.
你赠送的亲戚卡只需设置亲戚可以使用的金额，它实际上并没有从你的微信钱包中扣除这笔钱。
换句话说，如果你的钱包里和绑定的银行卡上没有足够的钱，而你送卡的人去购物，他不能使用这张卡。
The money is deducted from your wallet when the relative use it, not when they accept the card.
钱是在你的亲戚使用转账，付款或发红包时从你微信钱包里扣除的，而不是在他们接受卡的时候扣除的。
Fraudsters use this mix-up to cheat people who are not yet familiar with this function, since as soon as you receive the card you think it is the same as a red packet. For them, fraudsters, they maintain zero balance on their wechat pay and linked bank accounts, as soon as you transfer money to them, they will transfer to another account. This way, you won't be able to use the card they gave you.
诈骗团伙使用这个误解来欺骗那些还不熟悉这个功能的人，因为一旦你收到这个卡，你就会认为它和红包一样。这种诈骗团伙们的微信支付和关联的银行账户一般是保持着零余额，一旦你向他们转账，他们就会立刻把金额转到另一个账户。这样你永远无法使用他们赠给你的卡。
Conclusion 总结
When someone sends out the card to you, even if you accept it, no money is deducted from them and no money is added to your account until you actually use the card. At this point, there is no need to give back any money or any card. You can unlink the card from your account if you accepted it. Don't pay, don't send them a Relative Card. Please help to spread the awareness, one share means one less victim.
当有人把亲属卡赠给你时，即使你接受了，也不会从ta微信支付上扣一分钱，也不会在你的账户上增加一分钱，你使用这张卡的时候才能扣钱。明白了这一点，你会发现根本没有必要归还任何钱或任何卡。如果你接受了卡，你可以解绑次亲属卡。别向对方支付一分钱，也不要给对方转账，更别在你的微信给他设计亲戚卡。请帮忙转发分享，每分享一次都意味着少了一个受害者。
Movie Quote of the day: “What we've got here is failure to communicate.” -Movie Name: Cool Hand Luke, 1967.
Take care out there, and as usual, stay awesome, live happily, and enjoy every second in life! Thanks~
保重，像往常一样，保持棒棒的心情，快乐地生活，享受生活中的每一秒！谢谢~
Contributions will be appreciated！
欢迎投稿！
▲ QQ group
▲ Official account