1, associated bank card. Many microfinance platforms will allow you to associate a bank card for instant lending and automatic repayment. It seems to be for the sake of the borrower, but it is actually a trap. The lending platform allows the borrower to deposit a sum of money in the associated bank card on the grounds that it needs bank flow. In fact, after the borrower deposits, the liar lending platform will transfer your money.
2.VIP loans are more. Many lending platforms disguise themselves as formal and upright lending platforms, attracting borrowers with high prices and low interest rates. After the borrower is fooled, he finds that the quota has not increased, and the liar lending platform will let you be a member, deceiving the borrower that he has more choices and more benefits. In fact, after the payment, the loan cannot be approved, and the fee has already reached the liar lending platform, and there will be no refund.
3. The cost is not clear. Many people encounter small loans, and the lending platform will advocate daily interest and monthly interest. You see, the interest rate is not very high, so you are cheated. In fact, the annualized interest rate is surprisingly high. There are also some management fees, handling fees and various fees that will appear on it, adding up to a usury.
What are the common college student loan scams?
1. Guarantee for others
I don't know if you still remember such a news about a female college student who just graduated from college. She was fooled by the boss of the company and guaranteed a huge debt of 90 million for the company.
College students who have just left college are full of enthusiasm if they find a job. In addition, they have lived on campus for a long time and know nothing about loans. In this case, they are easily fooled by horrible bosses.
2. Fall into the usury trap
This year, a news also attracted the attention of the society: a college student in Henan committed suicide by jumping off a building because of debts of several hundred thousand yuan, and the sources of these debts turned out to be a number of Internet campus loan platforms.
Nowadays, many online lending platforms are aimed at college students, and the temptation condition is "low threshold", while ignorant college students only see the superficial advantages, but ignore the high cost behind them.
3. ID card information leaked "loaned"
Part-time job is another source of income for many college students, and some lawless elements see business opportunities from it, claiming that they can provide part-time jobs, thus defrauding college students' identity card information and making them heavily in debt.
From these events, college students also have to reflect, but also pay attention to these points:
1. Protect personal identity card information from being stolen by criminals;
2. If there is a loan demand, you should know the basic knowledge of the loan before lending;
Don't promise to guarantee this easily, after all, the responsibility behind it may be beyond your responsibility.
What are the common loan routines?
1, packaging materials loan: An intermediary said that you can package any materials you want as long as you give money, making it easy for you to borrow money. In fact, the result is to cheat money and information, and some may make money, but providing false information is a kind of loan fraud, and once it is found out, it may be sentenced.
2. Repay the loan first: There are often intermediaries who claim to help large loans unconditionally, but they have to pay the handling fee according to the loan amount, ranging from several hundred to several thousand. When paying money, you will step into the trap of a liar, and then you will be asked for money in various names. When you have cheated enough money, you will disappear.
3, spend money to wash white credit: There are often various small advertisements that spend money to wash white credit in the circle of friends, as evidenced by pictures. You thought it was true, so you were taken in. Only when the credit report is not my own fault, I need to raise an objection to the credit reporting agency, and I can only modify it after investigation and evidence collection.
4. Interest-free loans: Real interest-free loans are policy loans. Even the loans from many banks are not interest-free for the government's support projects for laid-off workers. The small intermediary said that helping you with interest-free loans is definitely fraud, and there may be high interest hidden behind it, such as various service fees and management fees.
After reading the seven loan scams, 20 19 is no longer a routine.
You often walk by the river, how can you not wet your shoes ... Even if you are a Jianghu knowledgeable person, you know astronomy above and geography below, and you are familiar with the gossip of the earth, but there is a saying that "there are mountains outside the mountains, but there are people outside the people". As for these pits in the loan circle, whether you are a hundred Xiao Sheng or a divine operator, they are basically impossible to prevent. ...
Routine 1: Black households can also borrow money.
I ran to several banks and didn't get the money. I registered several online lending platforms, but all the loans were rejected. At this time, if someone pats his chest and says that he can help eliminate bad credit information, even black households can borrow money. Does it feel as warm as charcoal in the snow? It is precisely by grasping the psychology of these people that scammers cheat loans. To be sure, formal lending institutions will not lend money to black households. Generally speaking, most people who are willing to lend are private loans in professional cloaks. Nine times out of ten, it is a usury trap. At that time, although the lender succeeded in lending, the cost of the loan was huge, and even the final interest was more than the loan principal, and his family was also facing the risk of debt collection.
Routine 2: Only ID cards can be used for loans.
"You can borrow money with your ID card, and you can lend money on the same day." "You can get a loan of up to 200,000 yuan without mortgage or guarantee." I believe everyone is familiar with these words. Whether on bicycles or telephone poles, such advertisements can be seen everywhere. This is definitely a great temptation for people with poor qualifications and in urgent need of money, but is it really a trustworthy lifeline? In fact, these advertisements just shout empty slogans, and most of them are already designed traps, just waiting for you to step on them. After you express your willingness to lend to them, you need to pay the introduction fee, handling fee and deposit first. After the payment, I told you that you would get the loan in a few working days, and then they went out of thin air and lied to you.
However, if you want to apply for a high-amount loan in a formal financial institution, it is not as simple as providing an ID card. Your real estate, car, salary, provident fund, only provide these certificates that can reflect your financial resources and credit, formal lending institutions can lend you money, and free lunch is only an illusion after all.
Routine 3: Help you wash your credit information.
Many people's loans were rejected because of overdue credit stains, so the fraud industry of "credit whitewashing" was born. The relevant departments have come out to create rumors in this regard, and it is simply unrealistic to eliminate credit stains at will, so don't trust those who say that they have a wide range of contacts and that someone inside the bank will help you eliminate bad credit in minutes.
As we all know, credit information has a great influence on applying for credit cards and loans. Most of the formal loan platforms have extremely high requirements for credit reporting, and users with poor credit reporting are basically sentenced to refuse loans. The swindler just takes advantage of people's psychology of trying to whitewash their credit information. These scammers claim that someone in their bank can help clean up credit information, but they need some money to get up and down. Not only will you not be able to borrow money, but you will also be cheated out of it.
Routine 4: Pay a three-minute deposit first.
The application has been submitted for several days and there is no news at all. I'm anxious! After all, the purpose of applying for a loan is to understand the urgent need, which is good. When the loan comes down, the day lily will get cold. ...
At this point, if someone tells you that you can pay the 300 yuan deposit within three minutes, will you pay it or not?
If you pay the money, it is impossible to make the next payment within three minutes, but there is a great possibility of being blacked out by the other party. This IQ tax has been paid, and there is nothing wrong with it.
Routine 5: 700 loan 1000.
Many platforms claim 0 interest and 0 handling fee. To tell the truth, this serious nonsense is really admirable. Lend me money without charging a dime. Are you stupid?
In fact, in this case, the platform charges in the form of beheading interest. The specific means of operation is to deduct loan interest, handling fee, management fee, deposit, etc. From the loan principal. For example, the loan 1 000 yuan will be repaid to 700 yuan in the next installment. Of course, after a week, you need to return it.
Hehe, isn't 300 interest deducted? In fact, the only principal borrowed is 700 yuan. Simple calculation:
Daily interest rate = interest/principal/loan days =300/700/7
Annual interest rate *360=(300/700/7)*360≈2200%
Nima, the annual interest rate is above 2200%, and your family's interest is so long. ...
Routine 6: Double refund for single refund
"Online shopping products have quality problems, not only can they be refunded, but they can also be double indemnity!"
2065438+2008 very popular "return to loan". Basically, they pretend to be customer service to call users, add WeChat and Alipay, and then induce users to refund. They actually induce users to take unsecured loans from the loan platform, and then cover other loans by scanning the code.
Taobao refund scam has a long history, but it only increases the channels of loans, so that victims can be cheated even if they have no money, and the degree of harm is even higher. Therefore, after receiving such a strange phone call, you must not be confused by the stuffing cakes falling from the sky, and you'd better refrain from eating them. Beware of being introduced into the online loan platform by the other party. The most important thing is that once a stranger asks for a transfer operation, nine times out of ten the liar will set you up.
Routine 7: "Yin-Yang Contract" Set a Trap
Not long ago, CCTV exposed such a loan fraud case: Mr. Guan borrowed 60,000 yuan from a small loan company, but actually signed a loan contract of 1.7 million yuan. Because of the cash flow, 60 thousand turned into 460 thousand, and he threatened to take his property!
In fact, we have always seen this routine: signing a yin-yang contract with the borrower, forcing the lender to sign a loan contract with a higher amount when the borrower is unable to repay, and what's more, letting the borrower use the house or car as collateral. In the end, borrowers often put all their assets into it, unable to repay the loan, and the real loan will be ruined.
Of course, the loan is far more difficult than the above, but the common ones are basically here. Babies who are short of money should use their brains when they want to borrow money. It may be difficult to turn over, and it is not impossible to lose everything. So, comrades, be careful!