Has anyone ever encountered a “powerful” everyday scenario of getting pulled into a scam niche? This is a very typical case.

At first, when I was buying car insurance in April, I accidentally downloaded an app that looks very similar to Ping An. I went in, registered, and it wasn’t linked to any bank card—I only registered using my own phone number that’s tied to my bank card. After realizing it wasn’t an insurance company’s app, I uninstalled it and didn’t think about it again.

Only yesterday did I find out that for the past three months they’ve been charging fees (somehow they opened an insurance service for me, deducting 77 yuan every month), and I don’t know where to turn it off. When I went to the bank to ask, I learned that during registration they were supposed to have you “bundled” and enabled Quick Payment—once you enter the verification code, it counts as authorization. The bank also can’t do anything on their side. Either call customer service or report it to the police!

Later, I used the phone number mentioned in the payment deduction message to contact customer service. After entering the last few digits of my ID, they canceled it. I’ll see next month whether it’s truly canceled. If it keeps charging, I’ll have to change cards!

I’m thinking, since it’s not a large amount, how can the bank not cancel this kind of payment permission? What else can the bank even do?

Finally, a reminder: there are all kinds of scam apps online right now. Don’t register casually. Sometimes, while you’re registering, the other party may already have obtained your Quick Payment authorization.