When it comes to applying for a credit card, we all know that it is very strict. There is a group of people who commit fraud on the pretext of applying for a credit card. Don't go to factories or big office buildings, only go to street shops and some individual industrial and commercial households in the countryside. Because such groups have relatively weak legal knowledge, and because of this, many scams are located in places like the urban-rural fringe.

Recently, a new scam for applying for a "China Merchants Bank Credit Card" has appeared in Changyuan City, Henan Province, claiming that the first month is interest-free, but we cannot check the progress of the credit card application. When we asked for their leadership and company name, these salespeople were unwilling to tell us. Even if we asked, these salesmen were vague and kept giving us various excuses.

When Mr. Liu saw the man from Anhui holding a work permit from China Merchants Bank, he told him his identity information without thinking much. After the man's surgery, he asked Mr. Liu to wait for his credit card. After waiting for a few days, Mr. Liu did not get his credit card, but a loan platform called "Fengqile" loaned him more than 20,000 yuan. Mr. Liu was very touched.

But Mr. Liu carefully calculated the interest rate of this online loan platform. First of all, Mr. Liu did not know the actual loan amount, so Mr. Liu just used his bank card number to pay 25,600 yuan, without knowing the actual loan amount. According to the descriptions of some victims online, his loan may have been 30,000 yuan, but the actual payment was 25,600 yuan. If so, the loan interest rate on this online loan platform is as high as 180 yuan.

Later, Mr. Liu called the Anhui man’s number, but the call could not be reached or no one answered. In the end, Mr. Liu's mobile phone number was blocked directly by him.

The most important thing is that Mr. Liu really did not dare to use this loan, so he found the official customer service number of this online loan platform through the Internet, and then communicated with them. In the end, Mr. Liu paid an extra 900 yuan to settle the debt. Although it seemed settled, he didn't know if there would be malicious infringement in the future. Related questions and answers: