Credit loan is the best life-saving straw for those who can't provide collateral but are in urgent need. However, at present, there are many institutions claiming to issue credit loans, and some of them are swindlers who fish in troubled waters. How do we identify them? According to an insider, a credit loan with the following characteristics must be a liar:

1. The procedure is simple. Although the borrower does not need to provide collateral (pledge) for a credit loan, it is absolutely impossible to apply with only one ID card. It is reported that in order to successfully obtain credit loans, borrowers need to provide their valid identity certificate, income certificate, work certificate, marriage certificate and other procedures. Moreover, the low income and short working hours in the current unit may become a stumbling block to applying for credit loans.

2. Low interest everyone wants to get a free loan. Some swindlers seize people's psychology and cheat, claiming that "the interest rate of credit loans is low and lending is fast". It is true that "lending is fast", because there is no need to go through mortgage, guarantee and other procedures, which will save a lot of time. But "low interest rate", even lower than mortgage loan, is sheer nonsense.

3. Pre-loan fees From the current point of view, many scammers "collect money" through pre-loan fees, but as far as I know, formal lending institutions will only charge interest, handling fees and other fees after successfully issuing loans to borrowers. Only fraud companies will ask borrowers to pay first and then lend for various reasons.

Second, what scams exist in credit black household loans?

Black households are temporarily ineligible for loans.

Loan business conditions:

1, 18 to 65 years old natural person;

2. The borrower's actual age plus the loan application period shall not exceed 70 years old;

3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;

4. Good credit information, no bad records, and legal use of the loan;

3. What are the scams of credit card loans?

What are the scams of credit card loans?

1. Collect the customer's savings card shield and ID card in the name of handling the credit card flow. Actually, 500 sets are sold to the company.

2. The loan does not need to be signed in person, and the scanned customer ID card is received. I have a red and blue photo without a hat and a photo with an ID card. In fact, there are 200 sets, which are mostly used for handling fake cards or online comments.

3. In the name of handling 0 down payment, mortgage the customer's ID card, household registration book and other documents after buying a car, and go to the loan company to pay extra debts without the knowledge of the customer and the intermediary.

4. Collect the customer's credit card in the name of capping the cash withdrawal amount, bind the savings card with a shield and steal the small cash withdrawal amount.

5. Collect customer credit card information and steal points in the name of handling KT. Loan.

6. Collecting the customer's credit card information and the 3-digit verification code on the back of the credit card in the name of card handling and withdrawal is actually internal information.

7. Low-priced advertising, in the name of handling prepaid credit cards, allows customers to make non-fixed deposits, which is actually a bank fraud by a deposit-taking intermediary.

8. In the name of handling micro-credit loans, the information of illegal customers was collected and handed over to the loan company as customer savings cards, actually 200 sets were sold to individuals and companies for illegal collection.

9. Deceiving customer information in the name of handling bad debts is actually a joint guarantee financing loan. Remember that bad debts only come from the end of February to the beginning of February.

10. Collect customer information in the name of handling the black door loan, which is mostly used for bank charge-offs and backdating black accounts.

4. Is the credit loan of Bohai Bank a scam?

Bohai Bank credit loan is not a scam. Bohai Bank is a regular bank. The full name of Bohai Bank is Bohai Bank Co., Ltd., which was established on February 29, 2005. Approved by China Banking Regulatory Commission (Yin (2005) No.337), it is a formal bank approved by the state and supervised by the banking regulatory authorities. Some investors put their money in Bohai Bank, so don't worry about safety. Bohai Bank is protected by the bank deposit guarantee system, and all deposits within 500,000 yuan are paid. Even if the bank goes bankrupt, it will be compensated with a high degree of security.