微信里借款不是骗子就是高利贷，早知道早远离！
苍蝇不叮无缝的蛋，有网贷经验的朋友应该有同样的感受，那就是垃圾电话、短信很多。随着微信的普及，大家都知道微信是要实名认证的，那些骗子就嗅到了味道，通过手机号搜索添加你的微信号。
这些人会打着包装资质、下款快、额度高的名义骗取你的信任，让你添加他。很多人会问，这些人怎么知道我的电话呢？那是因为别人花钱买了你的资料，这个不包括大数据。
微信同意后，对方无外乎就是问一些你的基本资质。有无信用卡，公积金、社医保、芝麻分分等。问完后就会有两种回答了
反正不管资质怎么样，他们总会把自己扯上点关系，这样才能体现他们重要性，才能为接下来的骗钱留下伏笔。
为了博取你的信任通常会发几张借款成功的截图给你，大家只要仔细一看都能看出端倪。这两张图，底部栏那么高，图标都变形了，明显是p的不用心
有些骗子会先向你拿基本的姓名、身份证，电话号码，帮你检测大概可以申请多少钱，过了一会儿就会发一张他们p过的检测图，告诉你可以在他们平台申请几万不等的额度，这对于一个缺钱的朋友来说是一笔不小的诱惑。
重点来了，这时候对方就会抛出这句话：“我们这边前期需要收取一笔技术包装费”，这个技术包装费分两种，每个公司的都不同。第一种前期一次性收取，第二种按下款额度的百分比收提成。协议达成之后就会给你一些放水的口子（借款平台链接）让你去申请。
1、一次性收取
坏处在于收完钱，如果你的资质真的不行，他们就三没人影了，反正钱到手了。
2、按照百分比收取提成
那对方就会尽心尽力帮你弄了，但是这个就是高利贷了，有的平台会收取15%的费用，相当于你的下款额度是1万，费给他1500元。而且这个是你自己额外出的哦，你向平台借的利息还是要照还的，等于说如果你资质好点可以借5万，要给他7500，而且这不包括平台的利息费哦。还有就是这些黑心的平台为了赚你的钱，不管利息多高都帮你申请，只要能赚到钱，有的年利息都高到30%几。
所谓的包装那都是骗人的，最多就是教你怎么操作比较容易下款，如果你的个人资料那么好包装，随随便便给你改下就是大老板，贷款买车买房了。那是不可能的，如果真的这样，那么政府民众保密系统不就形同摆设了。
所谓的包装无非就是一些不痛不痒的话：
1、手机上不要有两款以上贷款App
2、将手机里有关贷款的短信，通话删了
3、手机定位与通讯录地址最好一致
诸如此类，等等……
大家要注意，在微信里借款的这些都是没有合同的，没有法律依据的，被骗了就真的被骗了，也不要想着找个假号码去套他们钱，宁愿得罪君子，不要得罪小人，这话大家都懂？所以早知道早远离！
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