Teach your child to remember one sentence: Anyone online who asks you to use your parent's phone for operations or to report a verification code is a scammer

There’s no cost involved. Simply explain these six types of scams to your child, then agree on this phrase: “If you’re scammed, tell me right away and I won’t scold you.” Also set a spending limit for cashless payments, enable teen mode, and never share the payment password with your child. The hardest part is resisting the urge to get angry if they actually fall victim to a scam.

The Quanzhou Anti-Fraud Center, in conjunction with the Quanzhou Education Bureau, has explained six types of scams specifically targeting teenagers. Their tactics differ. Types 1, 2 and 3 explicitly end by having the child transfer money through a parent’s phone or Alipay. The original descriptions of types 4 and 6 do not mention a parent’s phone. The first type involves low-price private transactions for game accounts and equipment. Xiao Wang privately transferred 260 RMB, and the other party said, "Transferring by a minor is a violation, and the account will be frozen"; he used his father's phone to click a "verification link," and over 30,000 RMB in the account was transferred away. The original text warns that scammers will demand parents' bank cards, passwords, and SMS verification codes, and these "must absolutely not be given." The second type is "lifting anti-addiction limits." The other party threatened, "If you don't transfer money to cancel it, your parent will go to jail," and the child used their mother's phone to transfer 7,000 RMB. The original text states that anti-addiction settings are established by the authorities, and "there is no such thing as a 'private unlocking' channel." The third type is donation refunds. Scammers impersonate "official customer service," claiming that donations made by minors can be refunded, and require "using a parent's Alipay to send gifts to a designated live stream to qualify for a refund"; 73,000 RMB was sent from the mother's account, and then she was blocked. The original text says, "If someone adds you and tells you to 'send gifts for a refund,' it is 100% a scam." The fourth type is impersonating classmates or teachers. Scammers hijack accounts and use voice messages to state names to borrow money. During the school season, they even infiltrate class groups impersonating teachers, sending messages like "pay 500 RMB in school fees"; the profile pictures and nicknames are identical to the real teachers, and they even arrange "shills" in the group to say "already paid." The fifth type is celebrity fandom. Scammers add children to "celebrity fan groups to claim an 888 RMB red envelope." First, they have the child transfer 48.88 RMB for "verification." Then they intimidate them, saying, "Minor participation is a violation; the platform will freeze 80,000 RMB, and your parent will go to jail." A total of 16,000 RMB was stolen. The original text says, "Real police or lawyers will never contact minors online for investigations, and certainly will not ask for a parent's phone operations." The sixth type uses low-priced goods on second-hand platforms to lure people off-platform for private transfers. The same material also lists three red lines for children to avoid on their own. First, do not lend, sell, or rent bank cards and SIM cards; if a card is used to transfer stolen funds, it may constitute the crime of assisting information network criminal activities. Having a criminal record will affect postgraduate entrance exams and civil service exams. Second, "shoujikou" part-time jobs are illegal and criminal. Third, "high-salary recruitment" from overseas may result in being detained immediately upon arriving abroad (National, October 2025).

泉州市反诈骗中心 (2025). 开学第一课｜反诈是青少年的必修课，这 6 大陷阱一定要避开！http://gat.fujian.gov.cn/ztzl/fjjffpzxrx/spjq/202510/t20251028_7026836.htm（福建省公安厅转载）

It was rated as Grade B because the official information provides a breakdown of scammer scripts and individual cases, but lacks crime rates or statistics on prevention effectiveness. It must be distinguished from Item 9 (children using phones to top up and donate): money spent by a child on their own top-ups and donations can be refunded according to the Civil Code. Money stolen by scammers does not apply to that item; one can only call the police to stop payment according to Article 2 of Section 8. Whether it can be recovered depends on whether the money is still in the account. The core tactic scammers use to intimidate children is "You have violated the rules, and your parent will go to jail." Tell the child clearly in advance; this sentence itself is a hallmark of a scam and is more effective than questioning them afterward. The promise "If you are scammed, tell me first; I won't scold you" must be truly upheld. The original text warns in the donation refund category: "After being scammed, do not hide it; tell your parents immediately and call the police to minimize losses." The phrase "anyone online" in the title is a way for the author to summarize these six types of scams to make them easier for children to remember; the original text does not contain such a sentence. The adult version of impersonating acquaintances, as well as AI face-swapping, can be found in Items 3 and 4 of Section 8 (hard anti-fraud rules, hang up first if transfers are involved). For adults as well, do not perform verification codes or facial recognition for anyone; see Item 45 of Section 8 (reading out verification codes).