Four routines of online loan fraud! ! ! Be careful!
For those who need loans, they are required to pay a certain deposit on the grounds that their reputation is too low; Many related advertisements of "unsecured, unsecured, regular company, fast loan" have left contact information on it. When you start to apply for a loan online, you can even receive cash checks and bank transactions from the other party. Everything seems normal, but the other party will fool you into paying a certain deposit, otherwise you won't borrow money, and once the money is transferred, the other party will immediately pull you black.
expose a fraud
1, margin routine!
This kind of loan fraud is called "pure loan fraud", that is, insurance premium, deposit, activation fee, service fee and so on. They are all collected in the name of issuing low-threshold loans, but the last penny will not be given to you. The so-called cash checks and bank transactions are all forged in advance.
Remember: any loan platform that requires you to pay the deposit first is not credible! ! !
2. Handling fee routine
Handling fee and notarization fee: the victim is required to pay the handling fee (notarization fee) on the grounds that handling the loan requires the handling fee (notarization fee);
expose a fraud
No matter how much the handling fee is, as long as it is paid, the so-called staff can no longer be contacted.
Remember: regular lending institutions don't need you to pay any handling fees or notarization fees! ! !
3. Large amount of running routines
Bank card cash flow: on the grounds that it is necessary to verify the cash flow before handling the loan business, the victim is required to set up a new bank card and deposit an appropriate amount of money. After obtaining the bank card password and mobile phone verification code, the money in the victim's bank card will be transferred away.
Or they will let you log on to a seemingly formal website, collect your personal information first, then let you transfer the money to your account on the grounds of capital verification, and then ask you to provide your bank card number and SMS verification code.
What is even more frightening is that the swindler fixes the legal evidence by making the bank flow and signing the contract, then deliberately creates a breach of contract, so that you don't pay the money, and then charges a high penalty interest with the previously signed contract, often owing millions in a few months. When you get a high loan, you will embezzle all your property, vehicles and so on.
expose a fraud
Many people think it is safer to transfer money to their accounts. As everyone knows, after they ask for your bank card account number and SMS verification code, they can take the capital verification money for themselves by stealing or online shopping.
Remember: even formal loans need online verification, and your bank card account number and SMS verification code will not be required! ! !
4. Fake bank personnel
The swindler pretends to be a bank employee, claiming that there are internal channels to lend money quickly. Essentially, they used your ID card to apply for a credit card. After the credit card application is successful, they will use your mobile phone to activate the credit card, and then use your verification code to swipe the credit limit, deducting the high handling fee.
expose a fraud
If you apply for a credit card yourself, you don't have to pay any fees at all. There is also an unsuccessful situation. Liars take advantage of the psychology of some people who have low credit information, can't borrow money and are in urgent need of money, claiming that black and white households can borrow money. In fact, he used personally identifiable information to register various financial apps and companies, and then provided money laundering tools for other criminals.
Remember: protect your personal information and don't trust any "bank staff" who contact you personally!
Remind again! ! ! !
(1), you don't need to pay a deposit for the loan. Open a bank account. Once you encounter it, it will definitely be fake!
(2) Never provide your bank card password and dynamic verification code to strangers! ! Remember, remember! !
(3) Don't apply for loans online at will, and don't provide personal information online at will!
No matter where you apply for a loan on the financial platform, all formal units will not lend before.
Charge any fees in advance, remember this, and you can avoid 90% scams!