How to identify scams through black credit apps

In addition to the official money lending applications, operating openly and transparently, there are many money lending apps hiding in the form of “black credit”, lending with “exorbitant” interest rates that are increasingly proliferating and make people angry.

As noted by the National Cyber ​​Security Monitoring Center (NCSC) Department of Information Security, the Ministry of Information and Communications, from the beginning of 2022 until now, more than 2,624 people have reported scams to the website canhbao.ncsc .gov.vn. In which, the number of people reporting about applications related to black credit activities accounted for 30% of the number of online fraud warnings.

NCSC experts recommend, when using social networks or receiving a message with an application installation link with content such as: “No mortgage, no interest rate”, “Super speed loan, receive money later” 30 minutes, low interest rate, receive money right away”… people need to be wary because this can be a form of online black credit.

In case people are forced to use online loans, people need to find out and choose a reputable loan application and service provider, showing full information such as: company name, code business number, address, specific policies on loan interest rates (early repayment, late payment …) contract form, responsibilities of the parties involved in the transaction… In particular, do not allow the lender to access Access your account and personal phone book.

According to NCSC experts, most black credit apps are advertised as low interest rates, quick disbursement, and some even offer 0% preferential loans or loan procedures without collateral. interest rates are very high…

Before lending, subjects often review customer profiles by asking for personal information such as full name, address, year of birth, workplace, and phone number…

To facilitate debt collection, applications require borrowers to allow access to phone contacts, social network accounts, identification photos, ID/Citizen ID photos. When the debtor is late to pay interest, the subjects turn to debt collection from the contacts; send threatening, insulting, libelous messages to these people or post on social media accounts to exert pressure.

When the payment is due and people do not pay, there will be many problems. There are subjects who will access the phone and contact, harass, even threaten, insult people in the contacts (even if it is not related to the loan) or use social networks to post pictures of people. different from the purpose of smearing… to put pressure on the borrower to pay.

The NCSC expert also noted that people’s Internet usage time and demand is increasing, and all human activities are optimized on mobile phones. Therefore, bad objects often easily lure and scam users over the phone.

Signs to help people recognize scams via black credit apps

Finding out and choosing a reputable loan application and service provider in case they have to use it is one of the things people need to do to avoid falling into an online black credit trap or becoming a victim of fraud. online.

In case people suspect that a website has signs of black credit, people can proactively warn them at the website thanhbao.ncsc.gov.vn

In addition, people can search for fraudulent websites and make financial profit through the “Black List” at tinnhiemmang.vn.

The NCSC representative further informed that, in addition to fraud through a black credit app, there are many other forms in cyberspace. People can refer to some common online fraud prevention methods posted at khonggianmang.vn.

According to Van Anh