I believe everyone has seen such small advertisements on public walls and other places: unsecured loans, low interest rates, high credit limits...some people will receive such loan calls. . Although these are not all scams, they are mixed and it is easy to be deceived if you are not careful. No, some people were defrauded of more than 20,000 yuan, more than 10,000 yuan, or even 100,000 yuan because they answered such a loan call!

Case 1: A man fell into an online loan scam and was defrauded instead of receiving a loan of 100,000 yuan.

After reaching an agreement, Mr. Jiang received a bank credit card. Although the mailing address and other items were not his signature, he did not think too much and chose to believe Li and instead transferred the money back to him. The 2,000 yuan and the 15,000 yuan deposit for opening the card were given to Li. A week later, Mr. Jiang checked that his credit card still could not be used, he could not contact Li, and his WeChat account was blocked by Li. Only then did Mr. Jiang realize that he had been deceived.

My analysis:

1. Don’t believe the words of scammers easily, and be wary of cash rebates on loans and cash rebates on large credit cards.

2. Call the credit card customer service hotline promptly to check and confirm whether the information is true.

3. The other party claims that the payment will be made after a week or longer, so be vigilant. Especially those who have paid the fee first, beware of the other party defrauding the money and disappearing.

Case 2: I was defrauded after listening to low-interest loan advertisements!

Anhui Daily reported: Ms. Hu, who lives in Fuyang, Anhui, received a call saying that she could get a loan without any mortgage and the interest was not high. Ms. Hu, who was worried about having nowhere to borrow money, was moved.

However, the other party claimed that if Ms. Hu wanted to successfully get the loan, she must first pay a membership fee of 28,800 yuan, which can be returned monthly after the loan is obtained. Ms. Hu decisively signed the contract and paid the membership fee. The other party told me that it would take about 25 days to receive the payment. But more than 20 working days have passed, and Ms. Hu has not received the loan, and she was unable to contact the other party later. So, Ms. Hu, who felt cheated, called the police.

After investigation, this company is a scam company. They use the guise of "pure credit without collateral" to search for foreigners who need loans online. After getting in touch with the people who need loans, they use Low interest rates and no need for mortgage are used as bait, and fraud is carried out on the pretext of paying membership fees.

My analysis:

1. “Interest-free”, “no mortgage needed” and “same day loan”, these so-called “favorable conditions” can often lure many lenders who are in urgent need of funds. , but there are often tricks behind it, so you must be vigilant and guard against being defrauded.

2. When encountering such a situation, the victim can find more victims to call the police together, thus increasing the chance of recovering the money he or she has been defrauded of.

3. If you want to get a loan, you should find formal channels.

4. If you are asked to pay money first (membership fee, a few points of cash rebate, agency fee, deposit, etc.) before applying for a loan, you must be vigilant and guard against being deceived.

5. If the other party claims that the payment will be made a week later, or even longer, be cautious. Especially those who have paid the fee first, beware of the other party cheating you out of your money and disappearing.

6. Raise your awareness of prevention. Do not easily tell others your bank card password, WeChat password and other information, and do not easily lend your mobile phone to others to avoid losses.

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