1. Those who apply for credit cards, those who advocate 100% credit card processing, no matter what the loan business, once they say 100% guarantee, they are deceiving people. Neither banks nor borrowers are fools. , if everyone wants to pay, then it is better to just go to the street and beggar. So when you see such an advertisement, you should first consider your personal qualifications. If you know that you are a shady account and want to borrow money from the bank despite overdue repayments, you should reflect on your IQ at this time.

2. Advocating to help you eliminate overdue records, change your credit report, and help you modify your credit report. There were many such advertisements in the past few years, but now there are very few because most people now know that it is a scam. , the credit report does not say who has the right to modify it, but is assessed by the People's Bank of China. Others say that modifying your credit report will change you from a black household to a white household. Do you think it is possible?

3. A certain advertisement claims that you can place a payment with your ID card. This is just an attractive advertisement. If you really believe in using an ID card to get a loan, then you are an idiot. Lenders are not fools. Even a beggar on the street has an ID card. Will the borrower lend it to him? Even the simplest loan process for any loan requires comprehensive review of personal circumstances to prove that he has the ability to repay. Any loan is lent to collect payment. Who will lend it to a person who has no ability to repay.

6. Many advertisements now advertise "interest-free loans", claiming zero interest, etc. Do you think it is possible? Lending institutions are not fools. Is it possible to waive interest? There is no interest for several times, and the handling fee is scary high.