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VIC: Hello, this is Xiao Li, a client manager at the Rural Commercial Bank. We recently launched a corporate loan product. I was wondering if your company has any funding needs?
Scam: Hello, I'm General Manager Li. Our company currently has no funding needs.
VIC: General Manager Li, this loan product requires no collateral and offers very favorable rates. If you ever need funds in the future, feel free to contact me directly—just add me on WeChat for easier communication.
Scam: Okay, I'll add you on WeChat.
VIC: Great! My WeChat ID is xiaoli123456. When you add me, please note your company name so I can identify you.
Scam: Sure, I'll add you right away.
VIC: Thank you very much. If you have any funding needs later, just let me know. By the way, we also have an investment product with high returns. If you're interested, I can give you more details.
Scam: An investment product? Can you tell me more?
VIC: Of course. This product is a joint offering from our bank and a well-known investment firm, with an annualized return of up to 12%. It's very safe and reliable. You could start with a small amount to test it out.
Scam: Sounds good, I'll think about it.
VIC: Hello.
Scam: Oh, hi.
VIC: Hi, this is a customer service representative from Happy Shopping Mall. Sorry to bother you.
Scam: Hello, what can I help you with?
VIC: We’ve run into a few issues with your order due to a system upgrade, and we need you to confirm some details again.
Scam: Oh, what should I do?
VIC: You can click the link we sent you, or simply download our latest app—both will resolve the issue quickly.
Scam: A link? I haven’t received one yet.
VIC: It might be a network delay. Just download the app first; you can check your order status directly inside it, which is very convenient.
Scam: Okay, I’ll try downloading the app.
VIC: Great. If you run into any problems after downloading, just contact our customer service and we’ll help you right away.
Scam: Thank you, I understand.
VIC: You’re welcome. Have a pleasant shopping experience. Goodbye.
Scam: Goodbye.
VIC: Hello, this is the customer service of XX Bank. We recently launched a special loan program for premium customers. Do you have any need for working capital at the moment?
Scam: Oh, not at the moment. Thank you.
VIC: Oh, that’s a pity. But if you ever need it in the future, feel free to contact me. May I add you on WeChat? You can consult me directly whenever you need.
Scam: Add on WeChat? That might be a bit risky.
VIC: Don’t worry, it’s just to make it easier for you to get service. We’re also running a special promotion right now, and participating customers can enjoy more benefits on our financial products.
Scam: Oh, I see. I’ll think about it.
VIC: Great! Take your time, and if you have any questions, just let me know. By the way, to make it easier for you to learn about this promotion, I can send you a link. Just click it and you’ll see all the details.
Scam: Send a link? I’m worried it might not be safe.
VIC: The link is absolutely safe—it’s our bank’s official link, so feel free to click. If it’s inconvenient to talk on the phone, you can just click the link to learn more.
Scam: Okay, I’ll give it a try.
VIC: Hello, I'm Xiao Li from Huaxin Credit Center.
Scam: Hello, who are you?
VIC: I'm Xiao Li. We've just launched a new loan product with a very favorable interest rate. Do you have any financing needs right now?
Scam: Oh, I don't.
VIC: That's fine. I've added you on WeChat; you can check the product information there and contact me if you need anything.
Scam: Okay, go ahead.
VIC: I've already added you on WeChat. Take a look at the info. By the way, we also have an investment and wealth-management project with very attractive recent returns. Are you interested?
Scam: Investment and wealth management? Sounds good, how does it work?
VIC: It's simple—you just download our app, register an account, and you'll see our investment projects. You can start with a small amount to try it out; the returns are very high.
Scam: Okay, I'll give it a try.
VIC: Hello, this is Xiao Zhang, a customer service representative from Tiantian Finance. Your loan application on our platform has been approved. I was wondering if you have any recent funding needs?
Scam: Oh, hello. A loan? I don't think I applied for one.
VIC: It turns out you did submit an application through our online platform, but you might have forgotten about it. We can offer you a no‑collateral, fast‑disbursement service—very convenient.
Scam: I see. So what do I need to do?
VIC: It’s very simple. Just download the Tiantian Finance app, follow the prompts to register, and you’ll be able to see your loan limit.
Scam: Download the app? Is that safe?
VIC: Rest assured, Tiantian Finance is a fully registered financial institution. The app is just a convenient way for you to view loan details and repayment records—very secure.
Scam: Okay, I’ll give it a try.
VIC: Great! If you have any questions after downloading, feel free to contact me anytime. Here’s my WeChat ID; we can add each other for easier communication.
Scam: Thanks for your help.
VIC: Hello, this is a customer service representative from Zhongtian Investment Company. I'm Xiao Wang.
Scam: Hi, what's going on?
VIC: We noticed that you’ve been looking for investment and wealth‑management opportunities lately. We have a very stable investment product with a high return and very low risk. Would you be interested in learning more?
Scam: Oh, really? That sounds good.
VIC: Yes, this product is ideal for conservative investors. You can start by investing a small amount to test it out; if you’re satisfied, you can add more later.
Scam: How do I do that?
VIC: It’s very simple. Just download our “Zhongtian Wealth Management” app, register an account, and you can start investing right away.
Scam: Okay, I’ll give it a try.
VIC: Great! After you download the app, feel free to contact our customer service if you have any questions. To make it easier for you, here’s an invitation code: 123456. Enter this code when you register to receive a special discount on your first investment.
Scam: Okay, thanks for your help.
VIC: Hello, this is Manager Li from Guangfa Bank.
Scam: Hello, Manager Li, how can I help you?
VIC: The thing is, we’ve just launched a new wealth‑management product with very high returns and low risk—perfect for a client like you.
Scam: Oh, really? I’ve actually been looking to invest some money lately.
VIC: Great, the entry threshold is low—only 50,000 yuan to start, and the annualized return can reach 10%.
Scam: Sounds good. How does it work?
VIC: You just need to download our dedicated app, register, and complete real‑name verification, then you can purchase it.
Scam: Download the app? Is it safe?
VIC: Absolutely safe. Our Guangfa Bank app is developed by a professional team and is very reliable. You can download it through this link: [insert link here].