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Scam: A loan? My finances are fine right now, I don't need one at the moment.
VIC: That's great, but if you ever need funds, we have very favorable loan policies that can offer you low‑interest, unsecured loans.
Scam: Low interest and unsecured? Sounds good, how do I apply?
VIC: It's very simple. You can click the link I sent you, download our official app, fill out the application, and once approved the funds will be disbursed quickly.
Scam: An official app? Is the link safe?
VIC: Of course, it's our official link and completely secure. After you download it, you can contact me directly and I'll guide you through the entire application process.
Scam: Okay, I'll give it a try.
VIC: Hello, this is Li Xiaodong, a client manager from Guangzhou Bank.
Scam: Hello, what can I help you with?
VIC: The thing is, our bank has just launched a low‑interest loan product, and I wanted to see if you have any financing needs.
Scam: I don’t need a loan, thank you.
VIC: Oh, you’re being very prudent. But if you ever need one in the future, you can consider it. By the way, have you had any cash‑flow problems lately?
Scam: Not at the moment.
VIC: Alright, then let me recommend another option. We have an investment and wealth‑management plan with very high returns and low risk. You might want to think about it.
Scam: Sounds good, but I’m not very familiar with products like that.
VIC: No problem, you can add me on WeChat and I’ll give you a detailed introduction. My WeChat ID is guangzhou_bank_01.
Scam: Okay, I’ll add you on WeChat to learn more.
VIC: Hello, can you hear me?
Scam: Yes, hello.
VIC: This is customer service from Hualian Finance. You have a new loan application that has been approved, and we need you to confirm it.
Scam: Oh, I never applied for a loan.
VIC: It may have been applied on your behalf by a relative or friend. It's a low‑interest, unsecured loan that’s perfect for you.
Scam: I'm still not clear; can you give me more details?
VIC: Of course. Our loan rate is very favorable. All you need to do is click this link to download our app; after registering, you’ll see the full loan information.
Scam: Download an app? I’m not comfortable with that.
VIC: Rest assured, our platform is very secure and already used by tens of thousands of customers. If you encounter any issues after downloading, you can always contact our support team.
Scam: I’ll skip the download for now, thank you.
VIC: Alright. If you change your mind, feel free to reach out. Have a great day.
VIC: Hello, this is the Huayin Wealth Management Consulting Company. I am your dedicated financial advisor, Li Ming. We currently have a very popular investment product with an annualized return of up to 12%. Are you interested?
Scam: Is that really true? There are so many scams like this lately. Is yours reliable?
VIC: Rest assured, our company is nationally certified and fully legitimate. To allay your concerns, we can let you try it out first with a small investment—there will be no issues when you withdraw the returns.
Scam: Okay, I'll give it a try. How do I do it?
VIC: Great! Just download our official app, register an account, and follow the prompts to start investing.
Scam: Download the app, okay, I'll try it.
VIC: Once you’ve downloaded it, contact customer service directly; they’ll guide you through the next steps. By the way, to keep your account safe, don’t use any other platforms.
Scam: Okay, I understand.
VIC: Also, for your convenience, feel free to add my WeChat so you can ask me anything at any time.
Scam: Sure, I’ll add you on WeChat.
VIC: Hello, this is Xiao Li, a client manager from Industrial and Commercial Bank of China.
Scam: Hello, what can I do for you?
VIC: We have a very attractive investment opportunity right now with a high return rate. Would you like to hear more about it?
Scam: Investment? That sounds good. Can you give me some details?
VIC: Of course. This project is a joint launch by our bank and a well‑known investment firm, and it’s very safe. All you need to do is download our app; after you register, you’ll see all the details.
Scam: Download the app? Is it safe?
VIC: Absolutely safe. You can trust the reputation of our bank. And to give you extra peace of mind, we’ll provide a link—you just click it to download, it’s very convenient.
Scam: How will I know that the link is really from your bank?
VIC: Rest assured, the link is officially provided by our bank and there’s no problem with it. After you download, you can contact me directly through the app, and I’ll help you with any questions.
Scam: Alright, I’ll give it a try.
VIC: Great! After you download, remember to get in touch with me and I’ll give you a detailed introduction to the project. Feel free to reach out anytime if you have any doubts.
VIC: Hello, this is Manager Zhang from the Rural Commercial Bank. I saw that you previously inquired about our loan services, and now we have a very good opportunity to offer you a low-interest loan of 450,000 yuan. Would you be interested in learning more?
Scam: Hmm, I'm a bit tight on cash right now. Can you give me more details?
VIC: Sure. The interest rate is very favorable, and the approval process is quick. All you need to do is provide some basic information, and we can process it for you. But to ensure security, you first need to download our bank’s official app and submit your documents through the app.
Scam: Download an app? Is that safe?
VIC: Absolutely safe. Our bank’s app is officially certified, so you can use it with confidence. After you download it, I’ll send you a verification code. Enter the code and you can start the application.
Scam: Okay, I’ll give it a try.
VIC: Great! You’re very wise. I’ll send you the download link right away. Just click the link to download. Once you’ve finished downloading, remember to enter the verification code I sent you.
Scam: Okay, I’ll check it out in a moment.
VIC: If you have any questions, feel free to contact me anytime. Good luck with your application, goodbye!
Scam: Goodbye.
VIC: Hello, this is Global Express customer service. There's an issue with your shipment during transit, and we need your cooperation to resolve it.
Scam: What kind of issue? What's wrong with my package?
VIC: Your package was lost in transit. To compensate you, we need some information to verify your identity.
Scam: What information do you need from me?
VIC: Please provide your ID number and bank account so we can process the compensation.
Scam: That's very sensitive information—how can you guarantee its safety?
VIC: Rest assured, our system is highly secure. Your information will only be used for the compensation process and will not be disclosed to any third parties.
Scam: I'm still a bit worried. Can you give me a link to submit the information online?
VIC: Of course, you can click this link (mentioned in the voice message) to go to our official page and submit your details.
Scam: Okay, I'll give it a try. Thank you.
VIC: Hello?
Scam: Hello, how are you?
VIC: Hi, this is Xiaozhou, a client manager from Huaxia Bank. We have a new loan product—no collateral, low interest rates, fast approval. Do you have any recent funding needs?
Scam: Oh, I do need some money right now. Can you give me more details?
VIC: Of course. This loan can go up to one million yuan. All you need is an ID verification and bank statements. Once approved, the funds can be disbursed the same day. We’re also running a promotion: the first 100 applicants can have part of the fee waived.
Scam: Sounds good. What do I need to do?
VIC: Just download our official bank app, register, fill in the required information, and submit your application. A specialist will contact you for review.
Scam: Okay, I’ll download it right away.
VIC: Great. The app is called “Huaxia Bank Finance.” After downloading, remember to register with this phone number.
Scam: Got it, thanks for your help.
VIC: You’re welcome. If you have any questions, feel free to contact me. I hope our service can help you. Goodbye.
VIC: Hello, is this Mr. Zhang?
Scam: Hello, this is Mr. Zhang.
VIC: I'm Xiao Li, a customer service representative from Speedy Delivery. We've noticed that one of your packages may have encountered an issue.
Scam: Oh, really? What happened?
VIC: Your package may have been lost during transit, but don't worry—we have a compensation policy in place.
Scam: That's great, how does the compensation work?
VIC: To make it easier to resolve this, we need you to click a link and fill out some information so we can process the compensation.
Scam: Okay, send me the link.
VIC: Sure, just a moment—I’ll send it to you. To ensure the information stays secure, you'll need to add me on WeChat first, and I'll send the link that way.
Scam: Alright, add you on WeChat.
VIC: Hello, this is Xiao Li, a financial advisor from Starshine Investment Company. Have you been paying attention to any investment or wealth management products lately?