After you fill in all the information, this online loan routine will tell you when to lend money. Your bank card account number is wrong, the bank can't give you a loan, so freeze the loan. It's your duty to do that. If you want the bank to unfreeze, you must pay a unfreezing fee, otherwise it may be considered as fraudulent loans. Of course, this unfrozen money will be returned to you when you get the loan. Obviously, this routine is still in its infancy. If you pay, no problem. If not, it is the next step. The platform will show you a document of the so-called China Banking Regulatory Commission, with your information and official seal on it, which indicates that the lender has defrauded the loan and requires to prove that he has not defrauded the loan, otherwise it will be severely investigated. As soon as this document was issued, many people were immediately scared when they saw the CBRC. They stopped doubting and handed over the money at once. Of course, if you are not scared by this, online lending still has a set of rhetoric, because applying for online lending is to fill in the information first, sign the contract first, and then the online lending will sign the contract with you, and the loan will take effect, whether you pay or not. You have to pay back all this money, otherwise you will be blacklisted and will sue you later. After three steps, many people were cheated and handed over the money.
Second, the bank has insufficient water.
The routine of this kind of online lending is that after you fill in the information and upload your bank card information to the online lending platform, because most people who go to online lending are short of money or have been short of money, there will be no large and frequent transaction records in the bank card. At this time, the online lending platform will say that your bank card is not flowing enough. This shows that you have a great chance of not being able to repay, so the platform refuses your loan. At this time, the lender will ask, what should I do? The online lending platform will say that there is no way, that is, it can brush the bank. As long as you brush enough bank flow in a short time and the transaction flow goes up, you can naturally pass the verification of the platform and give you a loan. Generally, this situation will take two forms. The first one is to let you swipe the bank card provided by the other party and then return the money to you on the loan platform, but the success rate is not very high. After all, money is someone else's bank card, and lenders have a little precaution. Then the second is that the online lending platform allows you to swipe your bank card. As soon as the lender listens, I will transfer the money to my bank card. This is absolutely safe. At this time, the online lending platform requires you to provide a screenshot and verification code of the transfer, which proves that you have swiped the bank's running water, and the lender will not have too much precautions, because it feels that only a verification code is provided, and the money is in your bank card, so there will be no other concerns. Naturally, I gave the corresponding verification code to the other party. As everyone knows, when you fill in the information, the other party has already got your ID number, mobile phone number on the bank card and your bank card number. As long as you give the verification code to the other party, the platform can immediately draw the money away.
3. Prepaid membership fees and membership fees.
After you fill in all the information, this online loan routine will tell you when to lend money. The money has already arrived in the wallet of the APP, but if you want to get a loan, you must pay a certain membership fee and production fee. Of course, the production fee will be returned to your bank card together with your loan, otherwise the money will not be downloaded to your bank card. Many lenders feel that they have reached this stage and should pay when it is time to pay. Of course, some people don't want to borrow money. At this time, the platform's rhetoric will become that the money is already in your wallet (just an APP wallet, not a bank card) and the loan has taken effect. You still have to pay it back next month, and then I will attach a detailed map of your monthly repayment for you to see. If you want to cancel, you must pay liquidated damages. At this point in the platform, if the lender is afraid, it will naturally choose to pay back the money.
4. Pretending to be a legitimate loan company
The routine of this kind of online loan is to imitate those companies with legal big brands, such as Ping An Pratt & Whitney, Ant Financial, Gitzo and 360. Not only the name is the same, but even the interface of the APP and the generated contracts are exactly the same as those of these companies, just paying the money first, which makes it difficult to distinguish between true and false. Contact the customer service of the lender at the same time. In order to dispel the lender's doubts, a series of documents will be prepared, such as business license, online loan qualification license and so on. The customer service staff will also send their work permit and ID card to the lender to dispel the lender's doubts. At this time, it is natural to pay the money first, which will not arouse the suspicion of the lender. Just pay the money and wait for the loan platform to lend. This fake online loan APP is generally not downloaded in the mobile phone application market, but downloaded by scanning the QR code and network links.