Timely rain microfinance, first of all, foreign companies call to introduce how low their loan interest is. Then tell you a QQ customer service, let you add friends to understand. After adding friends, he will introduce their business. It sounds very formal and will give you a link to download the app. In this step, he will prompt you, and he will give you a set of information, which will be directly approved, but you have to fill in other information yourself. After submitting it, he will ask how much you want. Soon after, he will tell you to withdraw money, but you have to pay stamp duty. At the beginning of the fraud, if you paid this tax, they had to prove it. If you haven't paid it yet, they will say that you have to go to the tax bureau, otherwise they will pay for you. From here on, you will be fooled. Not that you have online banking, they will give you a bank card number, and then let you call and give you a formal invoice. After asking you to withdraw money, you will find that the amount has been frozen. They will tell you that because your card number is wrong, the CBRC has frozen the funds and needs to unfreeze them. They will also show you something similar to the CIRC document, with your name on it and such a project on it. Because XXX is suspected of fraudulent loan behavior, the risk control system intercepted it, which has nothing to do with the agent during the period, and the direct responsibility is caused by you. There is only one solution, that is, transfer 50% of the loan amount to the designated account to prove that it is my operation. If the docking is successful, transfer the docking funds and loan funds to the docking account together. If the docking is not completed within the specified time, the loan company's money will be deducted by the CIRC, and the local law enforcement agency will be required to investigate the borrower's fraud responsibility. That is to say, because of your improper operation and incorrect card number input, the money will not reach your account. As a result, the CIRC deducted the money, but if you don't pay the docking money, you can either pay it back on time, pay the next payment, or go to law enforcement agencies to chase you. Anyway, you are trying to lie to you. This kind of deception is terrible. You will be asked to pay stamp duty, handling fee, docking money and unfreezing money one after another. There is no official app, software that is not available in the software market, or the webpage is not certified, or you can contact the transaction through Q and WeChat. There is also a scam that fills in the wrong card number, remember that it is all fraud. If you encounter similar problems, please keep a clear head. Don't touch online loans unless you have to, and spending in advance will make you borrow money. Remember!