Every year, there are many international students who have to worry about paying tuition fees. It’s not safe to bring cash. It's very troublesome to use e-check . Lisichen Study Abroad said that there are other methods other than that, and the safety is not guaranteed at all. At this time, fraudulent methods such as paying tuition fees on behalf of the study abroad circle also began to emerge.
classmate Xiaoming met a "netizen" in an online dating group mainly focused on international students. The "netizen" claimed that he could help Xiaoming pay his study abroad tuition for 30% off.
In order to gain the trust of classmate Xiaoming, the "netizen" also sent a screenshot of the successful payment displayed on the school's official website to classmate Xiaoming. So the classmate Xiaoming, who believed it, transferred money to multiple bank accounts provided by the "netizen" in multiple times, with a total transfer of nearly 200,000 yuan. Just when classmate Xiaoming thought he had obtained a big advantage, one month after transferring the money, classmate Xiaoming was told by the school that "the tuition fees paid were withdrawn by the bank." Because the place of defrauded was in China, Xiaoming, a classmate who realized that he had been deceived, could only entrust his mother to report the case on his behalf. After police investigation, two members of the criminal gang were arrested and brought to justice. It is understood that Wang, one of the members of this fraud gang, posing as an international student, sneaked into the dating group of foreign students, and spread information about paying tuition fees on behalf of others in the group, luring international students to take the bait.
Then, they paid for the "bare" international students by stealing other people's credit cards. After the payment was successful, they asked the victim to transfer money. Because the fees paid on behalf of others are illegal, when the credit card holder finds out, he will go to the bank to complain, and the bank will withdraw the paid tuition fee.
In fact, this type of payment fraud method has emerged since last year. The tuition payment model is to lure students in the form of a large discount, allowing students to pay tuition and enjoy discounts. In fact, the merchant did not spend a penny, and used the channel of stealing credit cards. After the tuition is successful, it will be as short as one month, and after several months, the money will be recovered by the owner, and the school will ask the students to pay the fee again.
In 2016, American students alone were cheated of tuition fees of more than 6 million yuan. In addition to paying tuition fees on behalf of others, there are also small discount payments such as paying water and electricity fees on behalf of others, called Uber, charging phone fees on behalf of others, and subscribing to airbnb on behalf of others. And almost every item paid on behalf of others has problems.
After successfully saving 10% off, many students completely trust the other party and think there is no problem with the other party. I never thought that the other party was slowly accumulating your trust, so I could hold back my ultimate move to empty you with one blow. How should I pay the tuition fee? The most recommended preferred method of
is wire transfer. Wire transfer is a traditional method of tuition delivery, offline counter processing or online banking, usually 2-3 days. You can go to the counter or operate in online banking with high security. However, it should be noted that wire transfer information needs to be prepared, such as Swift Xiaomingode, Routing Number, Account Number, Address, Title, etc. (the requirements of each country are different) and confirm the content of the remittance to the school so that the school can make financial accounting.
wire transfer fee is 150 yuan + 0.1% wire transfer fee. If you pay 10,000 US dollars in tuition, you only need to pay a handling fee of RMB 210. Still relatively low! If some students who are slippery and careless, if they fill in the remittance information incorrectly, they may also fill in the remittance form incorrectly, such as "remittance", "refund", "insufficient amount", "freeze", etc., they need to modify the correct information to remit the money again. If the tuition fee is not recorded before the billing date, the school will generally cancel the course selection or pay a fine.
First, you need a US bank card. In China, you first transfer the money to the US bank card through wire transfer, and then the students will complete the tuition fee delivery on the school website (you need to fill in the account number and routing number). Freshmen usually have not had time to apply for a US bank card, and under the current foreign exchange control, each person has a limit of 50,000 US dollars per year, and paying tuition fees is too much.
will charge a handling fee when making money from China to a US bank card, usually about 5% of the amount, but there is no handling fee for the tuition fee from a US bank card, and it will arrive immediately, which is very fast.Overall, paying tuition fees of 350 yuan will require a handling fee of RMB 350.
also has cash payment and credit card payment, but these two methods have major disadvantages compared to the first two. In addition to carrying a lot of cash with you, it is not safe to carry a lot of cash with you. Customs stipulate that it is necessary to declare customs when carrying US$5,000-10,000 in the country. At the same time, apply for a carry certificate from the bank. If it is more than US$10,000, you need to apply for a carry certificate from the State Administration of Foreign Exchange. The procedures are very troublesome. The handling fee for credit card payment is relatively high, usually around 2.75%. If you pay 10,000 US dollars in tuition, you need to pay a handling fee of RMB 1,600. At the same time, you can verify your identity through card number, password, PIN and other information, and there is no security tool verification, so you are easily impersonated.
