How to identify the [beauty loan] scam?

On September 27th, 20021year, the website of the State Administration of Radio, Film and Television issued a notice requesting all provinces, autonomous regions and municipalities directly under the Central Government to stop broadcasting "beauty loans" and similar advertisements.

According to the notice, it was recently discovered that some "beauty loan" advertisements attracted young people with low interest rates or even interest-free, and induced advanced consumption and ultra-high consumption, which was suspected of false propaganda, deception and misleading consumers, causing adverse effects. To this end, the State Administration of Radio, Film and Television has decided that from now on, all radio and television and online audio-visual institutions and platforms will stop broadcasting "Beauty Loan" and similar advertisements.

What is beauty loan, also called cosmetic loan, beauty loan and medical beauty loan? To put it bluntly, it is a kind of "routine loan" that we often hear. Now all major platforms can see the news about routine loans, and the community in my city is also promoting the scam of routine loans. Nowadays, young people love beauty very much, so some lawless elements and institutions take advantage of this love for beauty, set traps at different levels, and play various gimmicks such as "free", "zero down payment" and "zero interest", which makes many young people deceived.

How to identify a scam?

1. Use free as bait to induce consumers to spend, and finally defraud loans.

Liars attract consumers online and offline with various gimmicks such as free experience and beauty experience. The "staff" will brainwash consumers, let them relax their vigilance and tell them that the hospital is carrying out a big project, and the boss will allocate funds for women to experience it for free, so as to better publicize the hospital. Then show consumers a lot of fake contracts, and the hospital will return the loan money to the customers in installments.

Later, the hospital will default on the refund of consumers, and finally will abscond with the money.

2. Take the low price as a gimmick to induce customers to over-consume.

9.9 yuan, an anti-acne package, 1 yuan to experience hair removal ... The medical beauty service with an original price of several hundred yuan and several thousand yuan has become a "cabbage price", attracting customers to spend at a low price.

When customers arrive at the beauty salon, the beauty salon will arrange sales staff to recommend various high-priced beauty projects to them, and will also expand your illness and induce customers to pay more for medical beauty projects.

Then, under the pretext of "paying interest without principal" and "no mortgage", we will guide customers with tight funds to designated illegal hospitals for plastic surgery and agree to lend at high interest rates.

3. Taking recruitment as bait, claiming that the job needs high image and deceiving them to apply for loans.

Fraudsters usually use high-paying jobs as bait, such as nightclubs and clubs. When a woman comes to an interview, she will tell the candidate that she needs plastic surgery before she can arrange a job. The cost of plastic surgery can be reimbursed, but it must be paid in advance.

When a candidate has financial problems, the fraudster will ask him to apply for a loan, telling him that his salary will be high after he joins the company and he will be able to repay the loan soon.

Finally, the fraudsters disappeared, and the victims lost their jobs and were burdened with high debts.

How to prevent beauty loans? 1, establish a correct aesthetic view. It is human nature to love beauty, and everyone has the right to pursue beauty. But we should treat life correctly, don't be too vain, establish a correct aesthetic view, don't be attributed to image defects by some institutions, and never have appearance anxiety.

2. Have a correct view of consumption. Reject excessive and over-capacity consumption, don't blindly compare, and don't be carried away by words such as "free" and "preferential".

3. Protect personal information. Products that need to provide identity documents and sign agreements should be carefully inspected to avoid falling into the trap.

Borrowing money must go through formal channels. If you need money badly, you can ask your family for help. If you really want to borrow money, you should also choose the loan products of formal institutions with high safety factor and good reputation.

When looking for a job, you can check the company's qualification through the network platform. The national enterprise credit information publicity system is a formal enterprise information inquiry platform, which can inquire whether the company name exists and whether there are abnormal or illegal records. If you can't find it, be careful. It may be an illegal company, or the new company is not registered in the credit information system. If there are abnormal situations in the interview, such as abnormal identity, abnormal location, high salary commitment, etc. At this time, you should be vigilant and call the police in time if you have any problems.