In this case, the liar is pretending to be a bank, and everything is a prepared scam. The purpose is to cheat money, and there is no such loan. Normal loans do not need to pay any fees before receiving loans. All kinds of reasons for paying in advance will not exist, and they are all fabricated by scammers.
* Loans never require membership.
There is a simple way to identify this kind of fraud: verify the authenticity of the APP. You can go to the app store of your mobile phone to search for verification. If it's not in the app store, there's a problem. You can also contact the official telephone customer service of China Merchants Bank directly.
If you are not cheated, ignore them. If you have been cheated, call the police directly.
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