“Hello, we greet you from x and you already have a credit approved only signature. Enter this link. ” This is an example of a message that has surely reached him, or knows someone who has received it. But be careful, what to pay attention can bring serious consequences.
The BCP Financial Education Manager, Andrés Flores, said it is important to identify if it is in front of a scammer. To do this, he said, these people offer you credit without any guarantee, history analysis and only with the firm.
“What guarantees them that you are going to pay? Because there are companies that are formal, they lend you for a few weeks, but they ask you for a guarantee as a jewel, for example. That is why it is good to suspect when they do not evaluate your ability to pay, ”he explained.
In addition, he indicated that criminals take advantage of people’s emotions to commit their scams. Therefore, he pointed out that many times they send messages with links in which, for the hurry and need, the receptors do not check that the URL is adequate. These links serve to grant informal loans or steal user information.
Something that is also common from scams, is that they ask for personal data. Therefore, if a message or a call arrives, passing through a bank representative and offering a loan that is attractive, but doubtful, Andrés Flores recommended to go to the entity’s own page and verify if there is effectively that promotion.
“The bank will never ask for your secret key, nor the number of the digital token. If you suspect, ask the financial entity, do not stay with doubt, ”he added.
Rates
The BCP representative said that following the stops at interest rates that were approved in Congress, the number of people who resort to informal lenders who are not regulated and can lead to the so -called ‘drop to drop’ increased.
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