Original title: "Campus Loan" liar at the end staring at college students Shenyang Police give an example of fraud with "campus loans" to buy Apple phone owed more than 40 million
An ID card is borrowed by others, "difficult to pay off"
Recently, the Shenyang City Public Security Bureau case management center WeChat platform received a row of college students because of "campus loans" fraud advice and complaints. "Campus Credit" muddy water how deep? How to find out the "campus loan" scam? November 16, Shenyang police sort out four kinds of "campus loan" fraud to remind students to guard against being cheated.
Scam 1: Simply ID card will be able to loan procedures simple
Some college students are eager to spend money, but I am sorry to say to parents, so there is no screening ability, the Internet to find a solution to the channel. The formalities required for formal channels of loans are complicated, while the procedures for online loans are very simple. Some "campus loans" websites even claim that they can handle loans only by providing their ID cards. However, once you provide your ID card to handle your loan, you will be fined a certain fee under such pretexts as "the loan needs to charge a fee" and "pay the deposit."
Response: If there is a demand for loans, we should understand the basic knowledge of lending before lending, and lend money through formal channels. Do not resort to petty profits to lend money to illegal loan companies such as the Internet and underground. Do not beware of the saying that "simple procedures" may be simple Behind the formalities, hidden larger "loan traps."
Scam 2: "0 down payment" eventually evolved into a "bottomless pit"
Some "campus loans" website hit "0 down payment", "0 yuan purchase" ads, offering college-specific installment services to attract college students "0 down payment" "installment" to buyiPhoneMobile phones, designer bags and other luxury goods. However, college students do not have regular income and often do not have the ability to repay their loans in real time, so they can not repay on time. "School Loan" interest rates higher than the regular loans, and eventually will turn into a huge rollover of the loan.
Response: Students should establish a correct view of consumption, but not the pursuit of "tall", do not believe the "0 down payment", "0 yuan purchase" of the temptation, if you need to buy goods by installments, can be formally through the installment payment.
Scam 3: Development off the assembly line can earn "commissions"
A college student is stuck in a "campus loan" because he can not repay the previous loan. Therefore, the "campus loan" company requires that the development of a loan be made off the assembly line and a loan be made, playing the dual role of the deceived person and the deceitful person. Under normal circumstances, deceived others pull loans, often due to each other promised to give 500 yuan -2000 dollars ranging from the benefits, while the liar also promised "loans out of money I do not have." College students cheat confusion, lucky way to get rich.
Deal with: Do not seek small cheap, but not easily agreed to guarantee for others. If you find students and friends around the "campus loan", to stop it.
Scam 4: fraudulent use of college student loan absconded
Once college students provide their identity cards and other information for "campus loans," criminals may borrow money from multiple loan platforms by using college students' ID cards, often with huge amounts of loans. Since then, the liar will disappear, a large number of loans owed by the loan platform, will be included in the name of college students, unable to repay.
Response: To protect personal information such as personal identification card, do not arbitrarily use other people's identity card, not to provide identity information to others at will, to prevent the use of unscrupulous elements.
Shenyang Evening News, Shen newspaper reporter Melvin Shen Tang Mengaccess: