No mortgage is required. As long as you pay a thousand yuan "account opening fee" and provide your identity document, you can successfully apply for a large credit card worth hundreds of thousands of yuan? Whether you believe it or not, some people believe it anyway, and there may be hundreds of people who believe it. On April 22, Mr. Liao and a group of seven people rushed to Nanchang Qingyunpu Public Security Bureau to report the case, saying that they might have been defrauded when applying for commercial loans.

I saw a small advertisement on the Internet that can apply for a high-limit credit card

According to Huang, people like Mr. Liao who have no bad credit records in the central bank center are called " White House". As long as commercial loan companies have good business relationships with major banks, they can help them apply for "unsecured" large-amount credit cards to "cash out" their loans.

Mr. Liao said that not long after he joined the group, the number of people in this so-called professional "business loan" group quickly reached the upper limit of 500, and most of them were targeted at Huang. The advertising information came from the "unsecured" application for a large-limit credit card.

Under the instigation of the other party, dozens of people paid the money on the spot

Huang, the "person in charge" of the commercial loan company, promised that as long as Mr. Liao paid the 1,000 yuan "account opening" fee as required, And by spending 80 yuan to apply for a phone card bound to a credit card, they can apply for large-limit credit cards from major banks, making it easier for them to "cash out". In order to win the trust of his friends, Huang also strongly invited Mr. Liao and others to come to Changchun for on-the-spot inspection.

"After we arrived in Nanchang, we found that this company was in a commercial office building; the staff also provided us with various instructions for applying for a card, which looked very formal." April 12 this year , Mr. Liao and several other netizens, under the arrangement of Huang, came to the office of the Commercial Loan Company located in Room 1803, Tower A, Mingzhu Plaza Office Building, Qingyunpu District, Nanchang City. At the office site, Mr. Liao and others filled out the form as a "borrower" in accordance with the other party's request, and handed Huang the "account opening" fee of 1,080 yuan in cash or mobile phone transfer on the spot.

"The other party said that after completing the procedures, you can go home and wait for news; a credit card with a limit of 300,000 yuan can be applied for in one week at most." After Mr. Liao and others completed the account opening procedures, Huang Each of them was also given a so-called mobile phone card that does not require registration with an ID card, saying that the mobile phone card will be bound to a credit card in the future and will facilitate the bank to verify everyone's identity.

Mr. Liao recalled that during his stay at the office of the commercial loan company, at least 70 or 80 people came to pay money to open an account and apply for a card.