1. Pre-loan fee: Too many loan products are paid before the next payment. Before they arrive, you don't have to pay handling fees, production fees, packaging fees, security deposits, certification fees, tap water and other fees. It's just that the liar cheated you of your money in the name of handling fees.

2. Code scanning application: Liars will send QR codes or links through various channels such as WeChat, SMS, forum posts and group chat, asking you to scan or download the app, submit an individual application and pay a certain fee. They will ask you to pay again for another reason. If you question, the other party will pull you black and then lie to others.

3. Packaging identity: This is a common method now. Because of the epidemic, many people are unemployed or have no source of income, and they cannot apply for bank loans. They will choose to find someone outside to package their personal identity. In fact, it is easy for banks to find loopholes, which will lead to the deterioration of personal credit and finally fail to apply for any loans.

4. Unreasonable charges: the state has regulations on loan interest. Interest exceeding 36% is not protected by law and need not be repaid. The comprehensive loan interest of some loans far exceeds this category. You can refuse to pay, keep evidence, complain and report to relevant departments, and safeguard your rights and interests.