Is the telemarketing loan company legal? Is it a pyramid scheme? Is it reliable to make telemarketing loans?

First, the telemarketing loan is real. In fact, telemarketing is one of the traditional sales methods in the financial industry. From a long time ago, banks and financial institutions promoted loans, credit cards, insurance, wealth management and other businesses by telephone. There is also a special direct selling center in the bank, which is convenient for citizens to know the latest products and information by telephone and order business. However, the business of some institutions is not as advertised. Occasionally, low interest rates or even zero interest rates are used as marketing gimmicks, but this is not the case when they actually lend or issue loans. They may increase their income by charging other fees. Moreover, the bank will cooperate with some third-party institutions, only provide the customer list, and do not promise after-sales, which will lead to some problems. When you find a bank, you will find that it is not a bank product. So when you encounter telemarketing, you must keep your eyes open and know the situation carefully. It's best not to agree verbally, but to go to the bank counter to get the latest information.

Second, non-financial institutions have a lot of telemarketing. Don't believe their verbal promises casually, because there are often many expenses, such as performance fee, deposit, insurance fee, guarantee fee, loan fee, notary fee, credit information fee, mortgage fee, card opening fee, etc. It will also guide you to pay attention to micro-signals, download mobile phone software and fall into their trap step by step. In a word, telemarketing is risky, so don't believe it casually.

Third, don't trust unfamiliar loan calls. What you think is a formal financial institution such as a bank is actually a liar. Pay attention to verify each other's information; 2, don't believe in free pies, loans are definitely troublesome, especially after the amount exceeds 30,000, who can tell you to easily help you borrow 50,000 or even 65,438+10,000, without any information, most of them are fake; 3. All scams have one thing in common, that is, you have to pay, and whoever needs you to pay first, no matter what the name, there will be ghosts; I remember seeing an example in the community, saying that she opened a micro shop to sell tea and made a phone call for no reason. When she came up, she wanted to buy more than 2,000 teas. She accidentally bought too many, and she needed her WeChat to transfer the extra money. Fortunately, this treasure friend was more careful and returned the money without seeing the order, because the liar placed a cash on delivery order and didn't pay at all.

Fourth, don't give the bank card number, password and bank SMS verification code, as well as the verification code issued by Internet financial institutions to any third party. Anyone who wants it is also a liar!