Why Loan?
Lack of money, lack of money, urgent use of money
Face various loan calls and in-app loan advertisements
Many people have touched the heart of online loans!
So, is it really what the advertisement says?
Unsecured, low interest rate, fast lending
Are loan companies really that good?
Approaching the end of the year
There have been many incidents in our city
Fake loan scam alerts
The amount involved is relatively high and the scope is wider
Anti-deception Daily Telegram warns everyone
"Don't try online loans if you don't have any money!"
This anti-fraud warning,
Exposing fake loan routines for everyone
I wanted to take out a loan, but I was scammed in the end!
When Mr. Li, a city resident, was working, he received an overseas call from 0085 claiming to handle loan business, and it just so happened that Mr. Li was recently in need of funds because he was approaching the New Year and there was something at home, so he gladly added an enterprise WeChat nicknamed "Zheng Chang'e".
After adding, the other party sent Mr. Li a website with a garbled domain name, with an APP download link called "Beijing-Beijing One-stop WeChat" attached to it, and Mr. Li did not hesitate to click to download. After downloading, fill in the name, ID number, mobile phone number, bank card number, face collection and other information according to the requirements of the software page.
After submitting the information, the software interface shows that Mr. Li is in good standing and the loan limit is 100,000 yuan.
Just as Mr. Li clicked Apply for Loan, the software page showed that Mr. Li's bank card account was wrong, and the funds were frozen.
Mr. Li, who looked puzzled, took the initiative to ask the customer service in the APP, and the customer service staff said that Mr. Li's account was abnormal and needed to pay the unfreezing money, and promised to return all the deposit paid by Mr. Li the next day.
After Mr. Li paid the deposit to the customer service for a while, the customer service asked Mr. Li to continue to transfer money to the designated account on the grounds that Mr. Li had wrong transfer steps.
In this way, Mr. Li successively transferred more than 50,000 yuan to the account designated by the customer service.
The next day, Mr. Li found that the money had not been returned, only to realize that he had been deceived and quickly reported the case.
From Mr. Li's case, we can see that several pits of online loan fraud, we carefully screen, can avoid being fooled!
1
The source of the app
Any APP that cannot be found in the mobile application store, after installation, there are risks, some are virus programs, Trojan horse programs, and lightly obtain personal information in the mobile phone; Like Mr. Li, he downloaded a fake loan app, which brought losses to himself.
The "Jingjing One Station WeChat" APP is one of the many loan fraud software developed by scammers, and the change of interface and name is another APP, which is unpreventable.
2
Familiar routines
"Bank card error", "account abnormality", "need to verify repayment ability", need to pay "deposit", "handling fee", "bank transaction details", "next day refund", etc., the familiar routine has come again.
The scammers have only one goal, to get you to transfer money to a designated account.
How to avoid being scammed:
1
Think about it, is there such a good loan company?
Unsecured, low interest, no credit check, no guarantee, large amount... And so on temptation conditions, is there really such a good loan company? Why can such a good thing happen to me?
2
Look, unknown links why not point?
A notable feature of loan scams is that scammers cast a net of SMS, MMS, and advertisements on other apps, luring victims to click on links to download scammers' apps.
Downloaded, and it is one step closer to being deceived.
03
Q, do you still have to give money for the loan?
Formal lending institutions, loans do not need to charge fees in advance, you need to transfer money and pay money before encountering similar loans.
Remember! Any online loan that has to pay money first and then lend money is a fraud!
04
Listen, online loan limited time reduction offer?
If the party has indeed had a loan on other formal platforms, suddenly received a call from customer service, claiming that the online loan you handled can reduce interest rates, fees and a series of preferential measures such as interest rates and fees for a limited time.
After believing the words of the so-called customer service, the next operation is to let you transfer money to the designated account by "bank card error", "account abnormality", "verification account" and so on.
Asking for 100% of the money before taking out a loan is a scam!!
In order to defraud victims of funds, each scam gang has its own script
1
The fraudster will first call to ask the victim if he needs a loan, and if the victim does, the fraudster will take the initiative to add WeChat friends, and then send a QR code asking the victim to scan the code to download an APP.
2
After the victim applies for a loan, the fraudster asks for a certain amount of handling fees before the next operation, and then falsely claims that the victim's bank card number is wrong, the account is frozen, requires the victim to pay an unfreezing fee, and explains that all fees will be returned, in order to deceive the victim's trust.
03
In order to obtain more benefits, fraudsters will release the quota first, but the funds in the wallet cannot be withdrawn, requiring the victim to buy insurance and other products. Only then does the victim realize that he has been deceived.
Anti-fraud daily telegram alerts
1
Loans should be preferred by banks and other compliant financial institutions, must go through formal procedures, banks and other formal institutions provide loan products have higher requirements for borrowers, these restrictions have certain protection for borrowers;
2
Do not believe in loan advertisements on the Internet, phone calls and text messages, do not easily click on unknown links, before applying for a loan should confirm the formality and legality of the lending institution, only the web page and phone number, charging fees before lending, are all fraud, all formal units will not charge fees in advance before lending;
03
Pay attention to protecting personal information and privacy, and be extremely vigilant against those who claim to be bank staff and customer service of loan companies who promote loan business on the Internet;
04
Formal loans will not charge any fees to borrowers before lending, as long as it is a loan business that needs to be paid online first, do not trust and handle it.
Source: Anti-fraud Daily Telegraph, "Shijiazhuang Anti-Telecom Network Fraud Center" WeChat public account