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Scam: Goodbye.
VIC: Hello, this is a customer service representative from Shenzhen Bank. Your loan application on our platform has been approved. Do you have any funding needs at the moment?
Scam: I do, how do I proceed?
VIC: Great. To expedite the disbursement, you’ll need to download our official bank app, then register and link your bank card. This ensures the funds are secure and transferred quickly.
Scam: Okay, I’ll download it right away.
VIC: After downloading, you’ll also need to fill out a credit assessment form. We’ll determine the loan amount based on your credit profile.
Scam: What happens after I complete it?
VIC: Once you’ve filled it out, click the submit button. Our review team will complete the assessment within an hour and notify you of the result.
Scam: Got it, thank you.
VIC: You’re welcome. If you have any questions, feel free to contact me. By the way, are you interested in learning about our other wealth management products?
Scam: Yes, please give me an overview.
VIC: Hello, I'm a client manager at Dongdong City Rural Commercial Bank. My name is Li Hua. Your company, Tech Co., Ltd., can apply for a high‑amount unsecured loan with us—preferential rates and fast disbursement. Are you interested?
Scam: Oh, really? That sounds good. I actually need some cash flow right now.
VIC: Great, glad to hear that. To speed up the approval process, I suggest you download our bank’s official app and submit the loan application through it. It’s more convenient and quicker.
Scam: Okay, I’ll download it right away.
VIC: Excellent. After downloading, please register and log in, then find the loan application entry on the home page and follow the prompts. If you encounter any issues, you can contact me at any time.
Scam: Sure, thank you for your help.
VIC: You’re welcome. One more thing: to ensure smooth approval, you’ll need to provide some personal information, such as your ID number and bank statements, which can be uploaded in the app.
Scam: Understood, I’ll prepare those documents as soon as possible.
VIC: Perfect. If you have any questions during the process or need further assistance, you can call me directly at 12345678901.
Scam: Okay, I’ll keep that in mind. Thanks again.
VIC: Hello, this is Manager Li from Rural Commercial Bank. I'm calling to see if you have any recent cash flow needs.
Scam: Hello, I don't have that need at the moment, thank you.
VIC: Oh, I see. But please hold on a moment; I noticed some irregularities with your company's account that could affect your cash flow.
Scam: Really? What should we do?
VIC: No need to worry, it might just be a system false alarm. For safety, I recommend you download our bank's official app, which makes account management more convenient.
Scam: Okay, I'll give it a try.
VIC: Great, after you download it, be sure to use this invitation code: A123456, so you can enjoy our new‑user promotion.
Scam: Got it, thank you.
VIC: Also, if you encounter any issues while using it, you can add me on WeChat and contact me anytime.
Scam: Okay, thanks for your help.
VIC: Hello, this is a client manager from the Agricultural Bank. We’ve noticed that you are a valued customer of our bank, and we have a special product we’d like to recommend to you.
Scam: Oh, what product is it?
VIC: It’s a high‑yield wealth management product with a very attractive return and very low risk—perfect for customers who need asset management.
Scam: Sounds good. How do I get started?
VIC: All you need to do is download our bank’s official app, register an account, and you’ll see the product. Do you have a smartphone?
Scam: Yes, I’ve downloaded your bank’s app before.
VIC: Great! You can purchase it directly through the app. If you run into any issues, just contact me. My phone number is 13800138000.
Scam: Okay, I’ll give it a try.
VIC: Also, to ensure your information is secure, you can use a special link during registration. That link is only available from me and lets you skip some of the more complicated steps.
Scam: I see. How do I get that link?
VIC: Add me on WeChat and I’ll send you the link—it’s more convenient that way. My WeChat ID is 13800138000; just add me as a friend.
Scam: Alright, I’ll think about it.
VIC: Anytime you’re ready, just let me know. I’ll be here waiting for your message. Looking forward to a pleasant collaboration!
VIC: Hello, this is Xiao Wang from the Rural Commercial Bank, handling corporate loan services. I saw the business license for your Guanghui Appliance Store, and we can offer you a corporate loan of 300,000 yuan. Do you have a need for working capital?
Scam: Hmm, I do have a bit of a cash need right now, but I've already taken out a loan from another bank.
VIC: Oh, I see. Is the current loan limit you’re using still sufficient? If you need to increase the limit, our bank can provide a more flexible loan solution.
Scam: It's enough for now, but it would be even better if I could get a lower interest rate.
VIC: That’s great news. Our loan rates are very competitive, and with just a few basic documents, we can approve it quickly. Do you have time to come to our bank?
Scam: I’ve been busy lately, so going to the bank is a bit inconvenient.
VIC: I understand. You can first click the link we sent you and fill out the information online; we’ll arrange for a dedicated officer to visit you.
Scam: A link? I don’t think I received one.
VIC: It might be in your spam folder. I’ll resend it right now—please check.
Scam: Okay, I’ll look at it later. Thanks.
VIC: You’re welcome. If you have any questions, feel free to contact me anytime. Wishing you great business success. Bye.
Scam: Okay, bye.
VIC: Hello.
Scam: Hello.
VIC: Hi, I’m a customer service representative from Huatai Finance. We noticed you’ve been looking for investment opportunities lately, right?
Scam: Yeah, I’m checking to see if there are any good options.
VIC: Great! We have a really solid project here—steady returns, low risk, and it’s perfect for you.
Scam: Sounds good. Can you give me more details?
VIC: Of course. To keep the information secure, I suggest we add each other on WeChat, and then I’ll send you the full details there. How does that sound?
Scam: Sure, I can add you on WeChat. My WeChat ID is the same as my phone number.
VIC: Got it. I’ll add you right now. Once you accept, I’ll send the materials immediately.
Scam: Okay, just send them after I accept.
VIC: Hey, hello, I'm Xiao Li from the Speed Loan Financial Center. We recently launched a special loan product that doesn't require collateral and offers fast disbursement. Do you need it recently?
Scam: Loan? I do have some cash flow issues lately. Can you tell me more?
VIC: Of course. This product is specifically designed for small and medium-sized enterprises. The maximum amount is up to 300,000 yuan, with a monthly interest rate of just 0.6%, and the application process is very simple.
Scam: That sounds good, but how do I apply?
VIC: It's very simple. Just click the link we provide, or download our app, fill in some basic information, and once approved, the funds can be transferred quickly.
Scam: Download an app? What’s the name of your app? Is it safe?
VIC: Our app is called “Speed Loan Treasure.” It’s very secure and many users are already using it. After you download it, follow the prompts. If you have any questions, feel free to contact me.
Scam: How do I contact you?
VIC: You can add me on WeChat. My WeChat ID is “Speed Loan Xiao Li,” with a red avatar. Once you add me, I’ll send you the link and the app download address.
Scam: Okay, I’ll give it a try.
VIC: Great! After you add me on WeChat, I’ll send you the materials right away. If you have any questions, just let me know. Wishing you all the best.
VIC: Hello, is this Mr. Wang?
Scam: Yes, it is. Who are you?
VIC: Hello, I'm a customer service representative from JD Finance. We noticed that you recently browsed several wealth-management products on our platform and wanted to ask if you're considering investing.
Scam: Oh, let me think about it. Do you have any recommendations?
VIC: We have a brand‑new wealth‑management product with an annualized return of up to 10% and very low risk, perfect for conservative investors. Are you interested in learning more?
Scam: Sounds good, but I'm not available right now. I'll look at it tonight.
VIC: Sure, I'll send you a link. Check it out when you have time this evening, and feel free to contact me with any questions.
Scam: Okay, send it over.
VIC: I'll add you on WeChat and send it to you if that's convenient.
Scam: Fine, go ahead. My WeChat is the same as my phone number.
VIC: Got it, I'll add you right away. Please keep an eye out for my message. Thank you for your cooperation, and have a great day.
VIC: Hello, this is Xiao Wang from China Bank Finance. I'm calling because we recently launched a special loan product with a very low interest rate. Do you have any financial needs at the moment?