According to the user description of the registered Blue Cat and White Card APP, after downloading the Blue Cat and White Card software through the advertising link, you need to register the binding collection bank card. According to the screenshot provided by the complainant, it can be seen that in the bank card binding stage, the four characters of the application amount are bold at the top of the page, and the estimated loan amount of 200,000 is also enlarged. At the bottom of the page, there are several striking red letters that read: Please ensure that the balance in the card is 300, which is enough for the down payment, so as not to affect the lending rate.
When the registrant fills in his name, ID number, payment card number and reserved mobile phone number, he immediately clicks Send SMS verification code, and the bank card is deducted 299 yuan. During this period, the registrant did not enter the bank card password and other operations. Some registrants will suddenly jump automatically after the first deduction, and another deduction will be made in the process, and a total of 598 yuan will be deducted from the bank card.
According to professionals, Blue Cat Bai Kaming sent a verification code link to fill in the mobile phone number for registration, which actually authorized a third party to automatically pay the deduction. This also explains why users can automatically transfer money from their bank cards without entering a password, which is suspected of fraud.
At present, Fu Bao Payment has closed the payment channel of Blue Cat White Card, and assisted the debited borrowers to recover the debited money, some of which have been refunded.
Someone who broke the news showed the loan page of Blue Cat White Card, which showed that you can apply for a loan of 65,000 yuan, and the monthly interest rate for 3 minutes is as low as 0.78% (simple interest). Only the interest-free quota of 10000 is marked in red, which is very attractive for many people who need money urgently. However, after applying for registration, the money in the applicant's bank card is automatically deducted.
Credit priority has not obtained the loan qualification, and only personal credit information products can be provided. After registration, the applicant can only obtain other qualified loan platforms recommended by the credit preference party.
The blue cat and white card are exactly the same as the credit optimization routine. The difference is that credit optimization is based on credit report, and blue cat and white card is based on membership opening. In fact, this routine is not new. Some netizens have sorted out the loan platforms with many complaints at present, and found that the good luck installment, the small tree wallet and the small pig installment are all maliciously deducted on the grounds of membership, but after the deduction, only other lending platforms can be recommended, and the promised low interest rate cannot be fulfilled.
At present, this kind of small loan fraud has formed a specific routine model. One thing that borrowers can't prevent is that after filling in the bank card number and mobile phone number and sending the dynamic verification code, the money in the bank card will be automatically deducted, and some even won't have a message to remind the registrant of the transaction.
For these online lending platforms that implement various deductions in the name of lending, this model can change one place at a time. When the deduction reaches a certain amount or the number of complaints increases, you can change into a vest and continue to lend in another identity, and automatically deduct the money.
Third-party payment companies that withhold money will become the target of public criticism. The baby payment involving malicious deduction will be renewed for the second time in June+February of 5438 this year. It is less than three months before the renewal of insurance, but it is controversial because of the risk control loopholes. Whether the contract can be successfully renewed is still unknown.
Operating environment:
Huawei enjoys 10s HarmonyOS system system 2.2.0.
Blue cat and white card APP version 7.8.3