First, help you pack the information.
Some small partners need a lot of capital turnover, but their personal qualifications are not up to the conditions for banks to handle large credit cards or large personal loans. When they are in a hurry, some black intermediaries appear, claiming that we can help you provide any information you need.
In order to get more loans, many borrowers believe the words of black intermediaries and submit their personal data to them. As everyone knows, the result of this is likely to be that you didn't get a loan, but it led to a "loan"!
Second, help you eliminate bad records.
As we all know, if the borrower has a bad credit record, the loan is likely to be rejected. As a result, some lawless elements smell business opportunities and claim that "there are people in the bank who can help eliminate credit stains by paying a certain handling fee."
Some people are eager to borrow money, believe what they say and pay the so-called "handling fee" quickly. And these criminals, as soon as they got the money, ran away and could not be contacted again.
Third, disguise the formal platform.
This kind of deception is relatively advanced, and some scammers will pretend to be the website of a regular loan company, waiting for you to apply for a loan. In the process of your application, they will ask you to recharge or pay first at some point. After you pay the fee, the system or "customer service" will prompt you that your score is insufficient and you cannot pass the loan approval. And the fees you have paid, they will also tell you that you can't refund them for various "legitimate" reasons. In this way, the borrower can only suffer dumb losses.
Fourth, provide low-interest and interest-free loans.
Some lawless elements seize the mentality of some borrowers, claiming that they can provide low-interest or even interest-free loans to trick borrowers into "taking the bait". Once borrowers believe them and lend them money, they begin to ask borrowers to pay one fee or another under various pretexts.
The vague definition of verb (verb's abbreviation) interest
Many swindlers deliberately confuse the interest when selling credit products, such as telling you that the interest is as low as 5%. Many borrowers who lack common sense in borrowing will naturally define this "5%" as annual interest. After signing the contract and getting the loan, they found that the "5% interest" mentioned by the other party was not annual interest at all, but monthly interest. At this time, even if you realize that you have been fooled, since you have signed the contract, there is nothing you can do.
Six, the use of Trojan horse program to steal the borrower's bank card information.
Some scammers will advertise everywhere, with low interest, fast payment and simple application as bait, so that borrowers can download website plug-ins or some apps. These plug-ins or applications are usually Trojan horse program installation packages sent by scammers. When applying, the borrower needs to fill in the bank card account number and password. Once filled in, the swindler will soon transfer all the money on your bank card.
Seven, serial fraud
This is a kind of interlocking deception, which generally occurs on social platforms such as QQ and WeChat. For example, scammers will send small advertisements on various platforms, saying that the loan interest is low, the payment is fast, and the procedures are simple. , and then leave your own QQ/ WeChat/phone contact information waiting for you to take the bait.
After you contact him, he will ask you some basic information, collect simple materials, and then pretend to introduce you to a group enthusiastically, saying that the risk control personnel will review you in the group. After you join the group, the group owner will say that you need to pay a certain fee for a certain procedure. Please transfer money to XX in the group (note that there will probably be several XX in the group). After you transfer the money to XX, another XX will come out and say that you made a mistake. That's not the real XX, you need to pay again. After you pay again, the group owner will kick you out of the group. After you realize that you have been cheated, you will never be able to contact anyone related to this loan event.