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VIC: Don’t worry. We’ve already prepared a brand-new phone for you. To make it convenient, you can click the link below, fill in the required information, and we’ll arrange for a courier to pick up the old phone and deliver the new one as soon as possible.
Scam: Okay, what do I need to do?
VIC: Just click this link and follow the prompts. Here’s the link: [Click here].
Scam: Alright, I’ll do it right away.
VIC: Thank you very much for your cooperation. If you have any questions, feel free to contact me at 13712345678.
Scam: Thank you.
VIC: You’re welcome. Wishing you all the best. Goodbye.
Scam: Goodbye.
VIC: Hello, this is Manager Li from Huaxia Bank. I was wondering if you have any funding needs at the moment?
Scam: Oh, hello. I don't have any funding needs right now, thank you.
VIC: That's a pity. We have a special loan program with no collateral, low interest rates, and fast approval. If you change your mind, feel free to contact us.
Scam: Okay, I'll think about it. What’s your contact information?
VIC: Just click this link to download our official app. It has all the details and an online chat for inquiries.
Scam: I see. I'll give it a try, thanks.
VIC: You're welcome. If you have any questions, you can reach us through the app. Have a great day, goodbye.
Scam: Okay, goodbye.
VIC: Hello, this is a loan officer from HSBC. We’ve recently launched a special loan program with no collateral required and a very low interest rate. Are you interested in learning more?
Scam: I do need some cash flow right now. Could you tell me about it?
VIC: Of course. First, you’ll need to download our bank’s official app and register an account. I can send you a link—just click it to download, it’s very convenient.
Scam: Okay, how do I download the app?
VIC: Just click the link I send you and you can download it directly. After installing, register with your mobile number, and I can guide you through the process.
Scam: Alright, I’ll give it a try.
VIC: Sure, hold on a moment—I’ll send you the link right away. Make sure you download it from that link to avoid any counterfeit apps.
Scam: Okay, thanks.
VIC: You’re welcome. If you have any questions, feel free to contact me. After you’ve downloaded it, let me know so I can help you complete the rest of the application.
Scam: Got it, I’ll download it now.
VIC: Hello, this is Manager Li from the Rural Commercial Bank. We have a loan program specifically designed for small and micro enterprises that fits your company's needs and can solve your cash flow issues.
Scam: Hi, I'm Zhao. What conditions are required for this loan?
VIC: Just the business license of your company. This loan is unsecured and unguaranteed, with a fast approval process. All you need to do is visit our bank, and we’ll handle all the paperwork.
Scam: Sounds good, but I'm not familiar with the loan process. Will it be complicated?
VIC: No, you only need to bring the company business license and your ID card. Everything else will be taken care of by our bank. Plus, we have a special offer right now: the interest rate is extremely low, only 0.35%.
Scam: That low of an interest rate? How can I be sure you’re a legitimate bank?
VIC: We are the Rural Commercial Bank, a legitimate financial institution. You can verify us on our official website. If you’re interested, you can click the link we sent you to learn more details.
Scam: Okay, I’ll check the link.
VIC: Thank you. The link has already been sent to your phone, and you can view it at any time. If you have any questions, feel free to contact me.
Scam: Thank you for your help.
VIC: Hello, I'm Li Ming, a client manager at Rural Commercial Bank.
Scam: Hello, Manager Li, what can I do for you?
VIC: We’ve just launched a credit loan product with a very favorable rate. Would you like to hear more?
Scam: Oh, a credit loan—what’s the rate?
VIC: The monthly rate is only 0.5%, and approval and disbursement are fast. If you’re interested, you can click the link I’ll send you and fill out the information.
Scam: A link? I don’t see it.
VIC: Hold on a moment, I’ll send it right away. Once you receive the text message, click the link to fill out the details directly.
Scam: Okay, I’ll wait.
VIC: The text has been sent. After you click the link, be sure to provide accurate information; a dedicated staff member will review it.
Scam: Got it, thank you.
VIC: Hello?
Scam: Hello, hi.
VIC: Hello, I'm a customer service representative from Huatai Credit. We noticed you might have a cash‑flow need recently, so I'm calling to offer our assistance.
Scam: Oh, really? I have indeed been needing some funds lately.
VIC: Great, we have a credit loan product that requires no collateral and offers fast approval—perfect for your situation.
Scam: Sounds good, but how do I know it's legitimate?
VIC: You can visit our official website directly, or download our official app to learn more. That's safer and more reliable.
Scam: Okay, I'll download your app and take a look.
VIC: Thank you for your trust. If you encounter any issues during download or use, feel free to contact me directly. My WeChat ID is 2086.
Scam: Sure, I'll add you on WeChat and get in touch if needed.
VIC: Hello, is this Boss Li?
Scam: Hello, yes it is.
VIC: Good morning, Boss Li. I'm Xiao Wang, a client manager from CITIC Bank. I saw that your electronics factory in Nancheng District is doing well, and our bank has launched an unsecured loan program for small and micro enterprises, with amounts ranging from 100,000 to 500,000 yuan and very favorable rates.
Scam: Oh, really?
VIC: Yes, it's a new policy aimed at helping owners like you expand production. Do you have any recent cash‑flow needs?
Scam: Actually, things have been a bit tight lately, but I'm not familiar with the loan process.
VIC: No worries, the process is very simple. You just need to provide some basic documents, such as your business license and ID. Once we approve them, the funds can be transferred as soon as the same day.
Scam: Sounds good. How do I apply?
VIC: Great, just click this link and fill in some basic information. We'll assign a dedicated representative to contact you.
Scam: Okay, I'll give it a try.
VIC: Hello, this is Sujie Finance. I'm Xiao Li, in charge of loan services.
Scam: Hi, what's up?
VIC: According to our system, you previously inquired about our loan services. I was wondering if you have any current funding needs?
Scam: Oh, I have been considering it, but I'm not very familiar with the loan process.
VIC: No problem. We have a very convenient process—just provide some basic information and you can get a loan approval quickly.
Scam: What specific information do I need to provide?
VIC: You only need to provide your ID number, employment verification, and bank statements. We have a special link; once you click it, you can fill out the form directly.
Scam: Is that link safe? How do I know this isn’t a scam?
VIC: Rest assured, we are a legitimate financial institution and the link is absolutely secure. You can click to see for yourself; if you’re not satisfied, you can choose not to submit any information.
Scam: Okay, I’ll give it a try.
VIC: Hello, this is a loan manager from China Construction Bank. My number is 40018668. Do you have any need for working‑capital financing recently?
Scam: Hi, I’m Xiao Zhang. I don’t need that right now. What are your loan terms?
VIC: We can offer an extremely low interest rate—just 0.28%—and the approval is fast. No collateral is required; just provide some basic personal information.
Scam: Sounds good. What do I need to do?
VIC: First download our official bank app, then fill in some basic details. I’ll review your application.
Scam: Okay, I’ll download it right away.
VIC: Thank you for your cooperation. After you download, look for me in the app; my username is Manager Xiao Li.
Scam: Got it, Manager Xiao Li. I’ll get in touch.
VIC: Great. Once you’ve finished downloading, contact me immediately and I’ll give you detailed instructions.
Scam: Thank you for your help.
VIC: Hello, is this Mr. Li?
Scam: Yes, it is.
VIC: Hey, Mr. Li, good morning. I'm a customer service representative from Shenzhen Bank. I'm calling because you have an opportunity for a startup loan with us, up to 300,000 yuan. I wanted to ask if you have any funding needs soon.
Scam: Hmm, I could consider it. How do I apply?
VIC: It's very simple; we only need your business license, even if the company is less than three months old. Also, this loan product doesn't check credit history or existing debt, the approval is fast, and the interest rate is very low.
Scam: Sounds good. What’s the interest rate?
VIC: The interest is extremely low—monthly repayments are about three to five cents per hundred yuan of the loan. For example, on a 100,000‑yuan loan you’d only pay 300 to 500 yuan a month.
Scam: Is the application process complicated?
VIC: Not at all. You just need to send a photo of your business license, and we’ll handle the rest. To make it easier for you to get details, I’ll add you on WeChat so you can ask questions anytime without being disturbed.
Scam: Okay, my WeChat is the same as my phone number.
VIC: Great, I’ll add you on WeChat shortly and send you the product information so you can review it. Wish you prosperous business, goodbye.
VIC: Hello, this is Xiao Li, a client manager from Shenzhen Bank.
Scam: Hello, what can I do for you?
VIC: We’ve just launched a special loan promotion with a very low interest rate. You might want to consider it.