Whether the loan of the credit department is fraudulent depends on whether the lending institution has the qualification to issue loans. If the lending institution is qualified to issue loans and the loan process is legal and compliant, then the loan of the credit department is not fraud. If the lending institution is not qualified to issue loans, or there is fraud in the process of lending, then the loan from the credit department may constitute fraud.

When choosing a lending institution, you need to choose carefully, understand its qualifications and reputation, and avoid the risk of loan fraud. At the same time, in the process of loan, we also need to be vigilant and pay attention to protecting personal information and capital security.