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VIC: No problem. To ensure a smooth loan process, you’ll need to pay a deposit of about 3,000 yuan.
Scam: A deposit? What’s that for?
VIC: It’s to verify your repayment ability and is standard practice in the industry. The amount will be refunded after the loan is disbursed. You can make the payment through this link, and it will be processed quickly.
Scam: Okay, I’ll go pay right away.
VIC: Excellent. Once you’ve paid, I’ll handle everything immediately. If you have any questions, add me on WeChat and contact me anytime.
Scam: Okay, thank you.
VIC: Hello
Scam: Hello, what's up?
VIC: Hi, I'm Xiao Li, a loan officer from XX Bank. We recently launched a new loan product with low interest and fast approval. I was wondering if you'd be interested in learning more?
Scam: Oh, I don't need that right now.
VIC: Alright, but are you a bit short on cash lately and need some financing? This loan product would be perfect for you.
Scam: I really don't need it, thank you.
VIC: If you change your mind, you can add me on WeChat. My WeChat ID is XX Xiao Li.
Scam: No need to add me, thanks.
VIC: Okay, I also have a link you can click to see our product details: http://xxloan.com. Is that convenient for you?
Scam: Sure, I'll take a look.
VIC: Hello, this is Xiao Zhang, a corporate service specialist from Bank of China.
Scam: Hello, who are you?
VIC: I'm Xiao Zhang. Our bank now has a loan program for small and medium-sized enterprises, with preferential rates and fast approval—perfect for your company.
Scam: Our company's cash flow has been tight lately. What are the requirements?
VIC: As long as your company is operating normally and has stable transaction flow, you can apply. I have a link here; just click it, fill in some basic information, and we can tailor a loan plan for you.
Scam: A link? How do I know you're not a scam?
VIC: Rest assured, we're Bank of China, a legitimate channel. You can add me on WeChat first, and we can discuss the details. How does that sound?
Scam: WeChat? What happens after I add you?
VIC: After you add me, I'll send you the link so you can take a look. If you're interested, we can continue the conversation and help solve your financing needs.
Scam: Alright, I'll give it a try. What's your WeChat?
VIC: My WeChat is 13700000000. Add me and I'll send you the information right away. Thank you for your trust!
VIC: Hello, this is Manager Li from CITIC Bank. You previously consulted with us about a loan. Is now a good time to talk?
Scam: Oh, hello, now is fine. What can I help you with?
VIC: We have a new loan product specifically for premium customers—low interest, fast approval. Would you be interested in learning more?
Scam: That sounds good. What’s it about?
VIC: This loan is designed for our bank’s top‑tier clients, with high limits and simple procedures. You only need to provide some basic personal information, and we can approve it quickly.
Scam: What do I need to do? Do I have to go to your branch?
VIC: No need. To make it convenient, we’ve developed an app you can use to complete the entire process. I’ll send you a download link; just install it and follow the prompts.
Scam: Okay, what information do I need to provide?
VIC: Just your ID number, mobile phone number, and bank card details. We’ll verify your identity and run a credit assessment—it's very straightforward.
Scam: How can I be sure this is legitimate?
VIC: We’re a reputable bank, and all operations are conducted within our secure system. If you have any doubts, you can call our customer service hotline at any time.
VIC: Hello, this is a client manager from Guangzhou Bank. We have a special credit loan promotion with a monthly interest rate of only 0.2%. I was wondering if you have any need for cash flow at the moment.
Scam: Hello, I don’t have any cash‑flow needs right now.
VIC: Oh, I see. If you change your mind, feel free to contact me anytime. Here’s my phone number: 1234567890. By the way, have you recently faced any shortage of funds, like for an investment or a big purchase?
Scam: I haven’t invested, but I am thinking about buying a new computer.
VIC: That’s perfect—our loan is ideal for that. You can download our bank’s app first; it has a quick‑application channel that’s very convenient.
Scam: Download the app? That sounds convenient.
VIC: Yes, it’s very easy. Just provide some basic information and we’ll have a dedicated reviewer; the funds can be disbursed as early as the same day.
Scam: How do I download the app?
VIC: You can search our bank’s name in your phone’s app store and download the official app. If that’s inconvenient, I can send you a link that you can click to download directly.
Scam: Please send me the link.
VIC: Hello, I'm a client manager from Huaxia Bank. I saw that you previously inquired about a loan, and we now have a special promotional policy that's perfect for you.
Scam: Oh, really?
VIC: Yes, we currently have an unsecured loan program with a very low interest rate. You can apply by providing just some basic documents.
Scam: What documents are required?
VIC: Mainly your ID card, proof of employment, and bank statements. Once you have those ready, you can submit them online through the link we provide.
Scam: A link? How do I get it?
VIC: Just reply with your mobile number, and I'll send the link to your phone—very convenient.
Scam: Okay, my mobile number is...
VIC: Great, I'll send the link to you as soon as possible. Also, to speed up the approval process, you can download our dedicated app and fill in some basic information.
Scam: What's the name of the app?
VIC: Our app is called “Huaxia Quick Loan.” You can search for this name in the app store to download it. After installing, enter referral code 123456 to enjoy additional benefits.
Scam: Okay, thank you.
VIC: Hello, this is Xiao Li from Tianhai Technology's customer service. We noticed that you have made a purchase on our platform recently. To protect your rights, we need to confirm your order information.
Scam: Hi, is there a problem with my order?
VIC: There is no issue with your order at the moment, but we have detected a potential security risk with your account. For your account safety, we recommend that you download our official security software as soon as possible.
Scam: Security software? Where can I download it?
VIC: Just click the link I send you, follow the prompts to download and install, and your account will be protected.
Scam: Okay, I'll download it right away.
VIC: Great, thank you for your cooperation. If you encounter any problems during installation, feel free to contact me.
Scam: I've installed it. What should I do next?
VIC: Excellent. Now please follow the prompts in the software, enter your account information and verification code so we can verify your identity.
Scam: Will this ensure my account is safe?
VIC: Yes, this will secure your account. If any anomalies occur, our system will notify you promptly. Thank you again for your cooperation, and have a pleasant day.
VIC: Hello, this is the loan center of Huaxin Bank, I'm your account manager, Xiao Li.
Scam: Hello, what can I do for you?
VIC: We noticed you previously inquired about a loan. Right now we have a special loan offer with a limit up to 500,000 and a very low interest rate.
Scam: Oh, I actually do need some cash flow lately.
VIC: Great, this program is perfect for you. However, you'll need to download our dedicated app first and submit some documents through it so we can approve your loan faster.
Scam: Download the app? How does that work?
VIC: It's very simple. I'll send a link to your phone; just click it and you can download it directly.
Scam: Okay, I'll take a look in a moment.
VIC: Sure, I'll send the link right away. Also, to speed up the approval, you'll need to provide some personal information and bank statements, all done within the app.
Scam: Got it, I'll handle it as soon as possible. Thanks for your help.
VIC: Hello, this is the customer service center of Blue Sky Express.
Scam: Hi, what can I do for you?
VIC: We have found that one of your packages was unfortunately lost during transit, and we can process a refund for you now.
Scam: Really? How do I apply for a refund?
VIC: To make the refund process easier, you need to first download our latest refund processing app.
Scam: Download an app? Okay, how do I download it?
VIC: You can download it by scanning the QR code I send you; after downloading, just follow the on‑screen instructions.
Scam: Alright, I'll check my phone in a moment. Send me the QR code.
VIC: Sure, I'll send it to your phone right away. Also, to verify your identity, I need the last four digits of your phone number.
Scam: Okay, the last four digits of my phone number are 1234.
VIC: Hello, this is Xiao Wang, your delivery customer service representative. I found that one of your packages was lost during transit.
Scam: Is that really true?
VIC: Yes, it is. We can process a refund for you, but we need some information.
Scam: What information do you need?
VIC: We need your name, phone number, bank card number, and a verification code. We will transfer the refund to your bank card within 24 hours.
Scam: That's a lot of trouble. Can it be handled directly in the app?
VIC: Sure. You can download our official app, log in, select the refund function, and fill in the required details. We’ll process it as soon as possible.
Scam: Okay, I’ll try it.
VIC: I’ve sent you the download link via text message. Once you receive it, just click to download.