Fee Collection Tactic Chain
- Bait 'No credit check, bad credit OK, low interest fast' to attract those in urgent need of money.
- Layer-by-layer Fees Processing fee → deposit → guarantor fee → accounting fee → unfreeze fee, with ever-changing reasons.
- Straw Man Risk Or they trick you into signing up for phone numbers or renting accounts to 'boost credit', making you a front.
- Pay fees before disbursement
The biggest red flag; legitimate financial institutions don't do this. - Contact only via LINE, no physical office
Cannot find legal registration and Financial Supervisory Commission approval.
Is the other party a legitimate operator?See how to identify fake platforms + check Financial Supervisory Commission approval →
❓ FAQ
I need money urgently and have bad credit. What's the safe way?
Priority: licensed banks/legal financing companies; fees are deducted after disbursement. Reject anything 'no credit check, pay first'. Consult the Financial Supervisory Commission or legal channels.
⚠️ Disclaimer: This site provides charitable anti-fraud educational information. It does not constitute investment advice and does not guarantee the completeness or timeliness of any information. Public data is for reference only and cannot alone determine the quality of an investment target. Please rely on official sources (165, the Financial Supervisory Commission, the Ministry of Economic Affairs, the National Police Agency) for accuracy. Investment and trading decisions should be carefully evaluated at your own risk.