What online loan scams are there in 2023?

In 2023, with the continuous development and popularization of internet finance, online lending has become a way for many people to obtain funds quickly. However, at the same time, some online loan scams have also emerged. These scams take advantage of people's urgent need for funds and defraud them of their money through false propaganda and fraud. To this end, the detective made a special news about the fraud prevention of the loan platform today. I hope everyone will keep their eyes open and identify the trap of online lending routines!

Phishing website. Sending phishing messages through pseudo base stations is one of the most common loan scams. I believe many friends here should have received similar news, mostly "the loan you applied for has been loaned to your account, click the link to apply for withdrawal". This email is usually followed by a phishing link. If everyone is carried away by joy and clicks this link, it will be used by criminals. They will guide borrowers to fill in personal information and bank card accounts, and through dynamic verification code.

Charge before loan. Borrowing itself is a very simple matter, but it is often used by people with a will. For example, Bian Xiao often sees users asking in forums, "Is it stable to pay a membership fee of XXX yuan first?" In fact, many of them are common tricks of scammers. Pretend to let you pass first, and then let you pay the membership fee of XX yuan or accelerate the examination fee. Most of the results are that you can't contact the so-called lending institution after paying the money.

Data packaging. As we all know, although the threshold of online lending is low, there are certain application requirements, such as 18 years old or above, commonly used mobile phone numbers, and good personal credit information. Personal credit, in particular, is a very important qualification in the field of financial loans. In order to apply for online loans as soon as possible, many buddies who spend money online or commit cyber crimes will believe in the so-called "packaging materials" and "credit information washing" of black intermediaries. In fact, personal credit records cannot be changed, and even bank staff do not have this privilege.

All in all, there are countless online loan scams, but just remember that there is no free lunch in the world, so don't be carried away by petty profits. Only by choosing formal channels, being vigilant and thinking rationally can we avoid becoming victims of these scams and better protect our own financial security and personal information security.