Cyber fraudsters are adopting different methods to defraud people. In one such case, a person from Ludhiana, Punjab was cheated. The victim had applied on Flipkart app to take a loan. Next day he got a call. The caller asked for bank details in the name of KYC verification and asked to transfer Rs 5. By doing this, approximately Rs 87,000 was lost from the person’s account. Therefore, many things should be kept in mind while taking loan from apps.
Always take loan from trusted apps only
- Before taking an online loan, always check whether the app or website is approved by the Reserve Bank of India (RBI) or not. Taking a loan from an unapproved app can be costly.
- Before taking the loan, collect information about the interest rate and all other conditions. By doing this, trouble can be avoided.
- If someone asks for personal information through phone or message in the name of giving a loan, then be careful. Do not share OTP or personal information on such calls.
- Do not click on attachments in messages or emails from suspicious persons or numbers. These may contain files containing viruses, due to which your important information may fall into the hands of scammers.
Fake loan apps have many disadvantages
Many such cases have come to light in the country, when people are blackmailed by giving loans through fake apps. Through these apps, needy people are trapped by luring them with higher loans at lower rates. After this, their personal and financial information is collected and they are harassed. These apps have not received any government approval and they work without any rules. Once a loan is taken, it is difficult to get out of their clutches.
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