Formal loan companies will not charge pre-loan fees. Xi' an packaging loan has no upfront cost. Formal loan companies will not charge pre-loan fees, such as deposit, verification fee, insurance fee, etc. And they will not communicate with you through private social accounts such as QQ and WeChat. Therefore, if you encounter financial fraud from a fake formal loan company, please be vigilant and don't be deceived. If you are cheated, call the police at the first time to minimize the loss of funds. The so-called packaging, that is, forging, altering, providing false or whitewashing your loan information, violates relevant laws to some extent. If the loan is successful, once the loan is reviewed, investigated or not repaid in time, the bank may be sued for financial fraud.