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VIC: Yes, the loan amount is 300,000 yuan, unsecured, with a very low interest rate. You can withdraw and use it at any time.
Scam: That's great—I just need some working capital right now.
VIC: Excellent. To ensure security, we need you to download our official app and complete the final confirmation and disbursement through it.
Scam: Okay, how do I download it?
VIC: Open your phone’s app store, search for “ICBC Loan Treasure,” download and install it. Then register using the verification code I’ll give you: 1236789.
Scam: Got it, I’ll download it right away.
VIC: After installing, remember to register with the verification code and follow the prompts. If you have any questions, feel free to contact me anytime.
Scam: Thank you.
VIC: You're welcome. Good luck, and let me know if you need anything.
VIC: Hello, this is Xiao Li from Beijing Huaxin Investment Company. Have you been considering investment and wealth management lately?
Scam: Investment and wealth management? What exactly is that?
VIC: Here's the thing: our company has just launched a high‑yield wealth‑management product with a low entry threshold and a high return rate—perfect for individual investors.
Scam: Sounds good, but I'm not very familiar with this area.
VIC: No problem, I can give you a detailed introduction. To make it easier, you can first download our company's app; I'll help you set up an account, which contains plenty of detailed information and case studies.
Scam: Download the app? How do I do that?
VIC: Just scan the QR code and you can download it directly. I'll send you a link right now; click the link and the download will start.
Scam: Okay, I'll give it a try.
VIC: Great, once it's downloaded, you can contact me directly through the app and I'll guide you step by step.
Scam: Sure, thanks.
VIC: Hello, this is a loan officer from Guangfa Bank. I see you applied for a loan before; do you need any cash flow assistance recently?
Scam: Oh, yes, I’m a bit tight on funds lately. I already have loans with other banks, though—what are your terms?
VIC: We offer very low interest rates, fast approval, and no collateral required. Just provide some basic documents and you’re good to go.
Scam: Sounds good. What documents do I need to prepare?
VIC: You’ll need a copy of your ID, a copy of your business license, and your bank statements for the past year. Once you have those, click the link I’ll send you to submit your application online.
Scam: Okay, how do I get your link?
VIC: Hold on a moment—I’ll text it to you right away. The message will include the full application process and the link.
Scam: I’ve received the text. It looks convenient; I’ll give it a try.
VIC: Great—just follow the steps. If you run into any issues, feel free to contact me and I’ll help you out.
Scam: Thanks for your help; I’ll get it sorted out as soon as possible.
VIC: Hello, this is the customer service manager from the bank. I'm calling to confirm your personal information. Is that convenient?
Scam: Sure, go ahead. What's the matter?
VIC: According to our system, you have an unprocessed loan application that needs confirmation of your loan intent.
Scam: I never applied for a loan. This must be a mistake.
VIC: Oh, I see. It might be a system error. However, if you ever have a funding need, we can offer you a low‑interest loan with no collateral, quick approval, and fast disbursement.
Scam: I don't need anything right now.
VIC: Alright. If you need it in the future, you can contact me directly. I have a special link that lets you apply instantly—very convenient.
Scam: Okay, thanks for the heads‑up.
VIC: You're welcome. By the way, we also have a wealth‑management product with stable returns and low risk. Are you interested in learning more?
Scam: I'm not very familiar with investing and not really interested.
VIC: I understand. Wealth management is actually simple. I can send you a link with a detailed introduction. Feel free to look it over when you have time.
Scam: Okay, send it.
VIC: Sure, I'll send it right away. Please keep an eye out. If you have any questions, feel free to contact me anytime. My WeChat ID is Xiao Li Finance—happy to help.
Scam: Okay, thanks.
VIC: Hello, this is the Shanghai Bank Loan Service Center, I'm Manager Zhang. We have recently launched a low‑interest loan product—would you be interested in learning more?
Scam: Hello, I do need some cash flow right now. What are the terms of your loan?
VIC: Great, our loan service is very flexible—no collateral, no guarantee. As long as you provide some basic information, we can disburse the funds quickly.
Scam: What documents do I need to prepare?
VIC: You only need to provide photos of the front and back of your ID, your bank card details, and your personal credit report. To speed up the review, you can first download our bank’s app and fill in the required information.
Scam: Download the app? Is that safe?
VIC: Completely safe. Our app is officially certified; you can search for our bank’s name in the app store and download it. After installing, you can submit the materials directly through the app, and once approved, the funds will be transferred within twenty‑four hours.
Scam: Okay, I’ll give it a try. One more question—are there any fees during the review process?
VIC: There are no fees for the review itself, but to secure your credit we require a deposit, which will be fully refunded after approval.
Scam: I see, how much is the deposit?
VIC: The deposit is five thousand yuan. You can transfer it to our customer service representative via WeChat or Alipay. After transferring, please keep the receipt; we will refund it immediately once the review is approved.
Scam: Got it, I’ll handle it as soon as possible. Thank you.
VIC: Hello, is this Mr. Li?
Scam: Yes, who am I speaking with?
VIC: Oh, hello, I'm a customer service representative from the courier company. One of your packages was unfortunately lost in transit, and we're preparing to compensate you.
Scam: Really? That's great, thank you so much.
VIC: You're welcome. To process the compensation smoothly, we need some information from you, including your bank card number, so we can transfer the payment directly to your account.
Scam: Okay, how should I provide it?
VIC: You can click the link we sent you and fill in the required details; we'll handle it as soon as possible.
Scam: Alright, I'll check the link in a moment.
VIC: Sure, the link will be sent to your phone shortly. If you have any questions, feel free to contact me.
Scam: Okay, thank you.
VIC: You're welcome. Have a great day, goodbye.
Scam: Goodbye.
VIC: Hello, this is the customer service center of Speed Delivery Express. I'm customer service specialist Xiao Zhang.
Scam: Hi, what's going on?
VIC: We’ve discovered that your package was unfortunately lost during transit. To apologize, we’re prepared to offer you a one‑for‑one compensation.
Scam: Oh, that’s a real hassle.
VIC: It’s not a hassle at all. To make the process easier, you’ll need to download our new claims‑only app, which will allow us to handle the compensation quickly.
Scam: Download an app? Why can’t we just handle it over the phone?
VIC: Because the claims process requires you to upload some essential information, such as ID verification and an order screenshot. Using the app is safer and faster.
Scam: Alright, I’ll give it a try.
VIC: Great. I’ll send you a link. Click it to download the app, and if you have any questions, feel free to contact me.
Scam: Okay, thanks.
VIC: Hello, this is the Citic Bank Loan Service Center. I'm Manager Zhang. We have a low-interest loan product for premium customers. Would you be interested in learning more?
Scam: I don't need a loan, thank you.
VIC: This product not only has low interest, but also has a very simple process—no collateral required. Just provide some basic information and you can get approved quickly.
Scam: I really don't need it. Stop calling me.
VIC: That's a pity. But if you change your mind, you can call this number to contact us, or simply click the link we sent you to download our app for easier operation.
Scam: I won't click any links or download the app.
VIC: Alright, I won't bother you further. But if you ever run into cash flow issues, remember we are a great option. Have a pleasant day, goodbye.
Scam: Goodbye.
VIC: Hello, may I speak with Mr. Li?
Scam: Yes, who is this?
VIC: Hi, I'm Manager Zhang from a micro‑loan company. We're launching a no‑collateral, low‑interest loan service and wanted to know if you have any funding needs right now.
Scam: Actually I do, but I've been rejected for loans before.
VIC: Don't worry, we have a special green channel that can get you approved quickly. You just need to provide some basic information.
Scam: I see, so how do I apply?
VIC: Great, just download our official app and fill in the required details. We'll assign someone to review your documents.
Scam: Okay, I'll download it right now.
VIC: Hold on— to ensure the security of your information, you need to pay a deposit first. Once the loan is approved, we'll refund it in full.
Scam: How much is the deposit?
VIC: Only 1,000 yuan, to prevent malicious applications.
VIC: Hello, is this Zhang Wei?
Scam: Yes, who is this?
VIC: I'm a customer service representative from Speedy Express, account number 1234. We have a package for you, but due to some issues we need your cooperation.
Scam: What issue?