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VIC: It's an unsecured personal loan with fast approval and a monthly interest rate of only 0.3%. It's perfect for short‑term cash flow needs.
Scam: Sounds good, but I'm not very familiar with loans.
VIC: Don't worry, I'll give you the details. As long as you have a stable income, the loan approval is easy. If you need, I can arrange a fast‑track channel for you; you just need to provide some basic information.
Scam: What information do I need to provide?
VIC: Photos of the front and back of your ID card, and your bank statements for the past three months. If everything is in order, we can complete the approval within half an hour.
Scam: That fast? How do I know this isn’t a scam?
VIC: We are a legitimate financial institution. You can verify my employee number on our official website, or come to the bank for a face‑to‑face meeting. To make it easier for you, I can also send a detailed document checklist via WeChat.
Scam: Okay, can I add you on WeChat?
VIC: Of course, my WeChat ID is 13800138000. Add me and I'll send you the checklist.
VIC: Hello, I'm Manager Li, a client manager at Bank of Communications.
Scam: Hello, Manager Li.
VIC: We noticed you've been looking for loan opportunities recently. We have a product that's perfect for you—no collateral, low interest, fast disbursement.
Scam: Really? I do need some cash flow right now.
VIC: Yes, this product is ideal for small and medium-sized business owners. You can start by downloading our app, registering, and filling in some basic information.
Scam: Okay, downloading the app sounds good.
VIC: Thank you for your cooperation. After downloading, you can view detailed loan product information in the app, and you can contact me anytime if you have questions.
Scam: Alright, I'll download it as soon as possible.
VIC: Also, to speed up the approval process, you need to pay a small service fee first.
Scam: Service fee? How much is it?
VIC: Only 500 yuan; this will ensure your application gets priority handling.
Scam: Okay, how should I pay?
VIC: You can pay directly through our app, or I can send you a payment link.
Scam: Then please send me the payment link.
VIC: Sure, I'll send it right away. Once the payment is successful, we'll start processing your application immediately.
VIC: Hello, may I ask if this is Mr. Zhang?
Scam: Yes, who are you?
VIC: I’m Xiao Li, a customer service representative from SF Express. We discovered that one of your packages was lost during transit, and we need to process a refund for you.
Scam: Really? What should I do then?
VIC: To protect your rights, we need your bank card number and a verification code so we can transfer the refund directly to your account.
Scam: Okay, my bank card number is 1234567890123456 and the verification code is 7890.
VIC: Thank you. We’ve recorded that. To speed up the process, please click the link we sent you in a text message and fill in the required information.
Scam: Alright, I’ll check the message right away.
VIC: Thank you for your cooperation. We’ll process your refund as soon as possible. If you have any questions, feel free to contact me.
Scam: Okay, thank you.
VIC: Hello, this is Manager Li from the Tianqiao branch of the Agricultural Bank.
Scam: Hello, Manager Li.
VIC: Our bank has recently launched a very attractive loan product that requires no collateral—just a stable source of income—and you can apply for up to 500,000 yuan.
Scam: Oh, really? I could use some working capital right now.
VIC: Great! Just download our official bank app, fill in some basic information, and our staff will review your application as soon as possible.
Scam: Okay, how do I download the app?
VIC: You can simply click the link I sent you; it will automatically redirect you to the download page.
Scam: Alright, I'll give it a try.
VIC: If you run into any problems during the process, feel free to contact me at any time.
Scam: Thank you, Manager Li.
VIC: Hello, this is Xiao Zhang from the Channel Department at Guangfa Bank, specializing in credit services for new enterprises.
Scam: Hi, how can I help you?
VIC: We’ve recently launched a special loan program for new business users—zero collateral, ultra-low interest rates, fast approval—perfect for startups.
Scam: Sounds good, but I’m not familiar with the details. Could you explain it further?
VIC: Of course. This loan is tailored specifically for new enterprises. Just provide some basic company information, and we can approve it quickly. We also have a dedicated app that lets you apply online—very convenient.
Scam: How do I apply?
VIC: Just download our app, register an account, fill in some basic details, upload your company documents, and we’ll complete the approval within 24 hours.
Scam: Okay, I’ll give it a try. What’s the name of the app?
VIC: The app is called “Guangfa Enterprise Loan.” You can find it in your mobile app store.
Scam: Got it, thanks for the information.
VIC: Hello, this is the customer service manager from Agricultural Bank. We’ve recently launched a special loan product that can solve your cash flow problems.
Scam: Oh, really? I do have some funding needs right now.
VIC: Yes, this loan product is perfect for you—no collateral, low interest, fast approval. You just need to download our official app to apply.
Scam: Download an app? Sounds convenient. What’s the app called?
VIC: The app is called “Nongyin Dai.” Just search for “Nongyin Dai” in your phone’s app store, install it, fill in some simple information, and our loan officer will contact you promptly.
Scam: Okay, I’ll download it right away. Anything else I should watch out for?
VIC: That’s all. If you have any questions after downloading, feel free to contact me. By the way, to make it easier for you, I have a dedicated link—just click it to download quickly.
Scam: Got it, I’ll click the link and download now. Thanks for your help.
VIC: You’re welcome. After clicking the link, you may receive a verification code. That code is very important—don’t share it with anyone. Enter the code and the download will be complete.
Scam: Understood, I’ll be careful.
VIC: Hello, this is Customer Service from China Merchants Bank. I'm service specialist Xiao Wang. We have a new unsecured credit loan service with fast disbursement and attractive rates. Would you be interested in learning more?
Scam: Oh, that sounds good. How do I apply?
VIC: Great! Just download our official bank app, fill in some basic information, and you can apply.
Scam: Download the app? How do I know this app is real?
VIC: Our app is officially certified and very secure. I can send you a QR code to download it—easier that way.
Scam: Okay, I'll give it a try.
VIC: Excellent. Hold on a moment; I'll send the QR code right now. Make sure your phone is running the latest OS for a smooth download.
Scam: Okay, thanks.
VIC: You're welcome. If you run into any issues during the download, feel free to contact me. My WeChat ID is abc123456, and I'm online to help you anytime.
Scam: Okay, I'll add you on WeChat. Thank you.
VIC: Hello, I'm a loan officer from Rural Commercial Bank. How's your cash flow situation lately?
Scam: Hello, I'm doing okay right now, no particular funding needs.
VIC: That's great. If you ever need it, we can offer unsecured, low‑interest loans—any legally operating shop can apply.
Scam: Oh, that sounds good. How does it work?
VIC: Very simple. Just download our official app and fill in some basic information, and a dedicated account manager will contact you.
Scam: Official app? Where can I download it?
VIC: You can click the link I sent you to download the app. The link is completely safe, so feel free to use it.
Scam: Okay, I'll give it a try.
VIC: Excellent. If you encounter any issues while using it, you can reach me anytime. My phone number is 13800138000, and you can also add me on WeChat for any questions.
Scam: Alright, thank you for your help. I'll consider it.
VIC: Hello, I’m a customer service representative from Ali Finance. You have a loan limit of 50,000 yuan under your name, no collateral required, and the interest rate is very low. Would you be interested in learning more?
Scam: A loan? I don’t need money right now.
VIC: Well, it’s worth knowing about it, just in case you need it in the future. Our loan application process is very simple; you only need to provide some basic personal information, and we can approve it quickly.
Scam: How do I apply?
VIC: It’s very easy. Just download our official app, register an account, and follow the prompts to fill out your details.
Scam: Download an app? How will I know this app is yours?
VIC: You can search for our official website and download the app from there, or I can send you a direct download link, which is more convenient.
Scam: Send a link? I’m worried it might be risky.
VIC: Rest assured, our link is safe, and we provide professional customer support. If you have any questions, you can contact us at any time.
Scam: Okay, then send me the link.
VIC: Hello
Scam: Hey
VIC: Hi, I'm Xiao Li, a loan officer at Rural Commercial Bank. I see you own a restaurant, and we have a loan product specifically for small and micro businesses with very low interest. Are you interested in learning more?
Scam: Oh, well, my cash flow is fine right now, so I don’t need a loan at the moment.
VIC: I see, but it doesn’t hurt to know—maybe it’ll be useful later. Our product is unsecured, fast‑approved, and comes with dedicated service, very convenient.
Scam: Alright, give me a brief overview.