Not credible. According to the inquiry of China Travel Service. com。 Online loan to face-to-face signing is an online loan scam. This kind of publicity attracts the attention of the victims on the grounds that the loan is even threshold, unsecured, without formalities or even ID card. Then, on the grounds that the loan requires capital verification, the victim is required to pay various fees, or the victim's bank account information is defrauded to steal money.