Is the loan from Platinum Bank handled offline?

That's not true. What you are asked to do offline is a scam. There are many examples on the Internet. Be careful of your personal property.

1. Common online loan scams

1, let you pay all kinds of fees before lending.

Many advertisements of "unsecured, unsecured, regular company, quick loan" have left contact information on it. When you start to apply for a loan online, you can even receive cash checks and bank transactions from the other party. Everything seems normal, but the other party will fool you into paying a certain deposit, otherwise you won't borrow money. Once you transfer money, the other party will immediately pull you black. In addition to the deposit, the liar has a lot of excuses waiting for you, such as handling fee, packaging fee, freezing fee, risk deposit, reserve fund, insurance premium and so on. There is only one purpose, pay the liar first and then lend money!

2. Use a fake platform for you to input information.

They will let you log on to a website that looks very formal, collect your information, and then let you transfer the money to your account on the grounds of capital verification, asking you to provide the bank card number and SMS verification code. .

The purpose is to defraud personal information, not to lend money, but to steal the victim's bank card.

3. Use your information to steal after the loan.

The fake customer service cheated you of your personal information and bank card information in the process of handling the loan for you, and then stole the money you borrowed after the loan was released.

4. Fake bank staff, but do not apply for loans but do credit cards.

This routine is actually disguised as a bank employee, then get your personal credit card to apply for a credit card, and then set out your credit card limit.

5. Deceiving insiders can clear credit information. Liars claim to have acquaintances in the bank, or cheat on the grounds of spending money to eliminate credit stains.

Two. Online lending needs to pay attention to the following points:

1. Whether the loan platform has been approved by the CBRC and whether it holds a financial license. If it is a small loan platform without a financial license, it is generally informal, and customers had better avoid it to prevent loan fraudsters from falling into loan scams.

2. What is the loan interest rate of the platform? Is it very high? If the loan interest rate is too high, beware of usury (the Supreme People's Court stipulates that the annualized interest rate of online loans shall not exceed 4 times of the floating interest rate LPR).

3. Does the platform require customers to pay money in the name of deposit, unfreezing money, etc. Before the loan arrives? We should know that all formal licensed consumer financial institutions generally do not charge any upfront fees before issuing loans.

4. Whether to provide a private account when repaying, and ask the customer to return the private account. The customer should beware of the other party's "absconding with money".

5. If you borrow it once, you can't borrow it again, and directly "routine" the customer.

6. Whether to intentionally close the repayment channel to make the customer overdue, so as to charge overdue fees.