Criminals use Hong Kong or Macau telephones starting with "0085" or "+85" to induce victims to download fake loan apps and apply for loans with the words "low threshold, high quota and no guarantee". When the victim completes the process of information filling and quota approval in the app, the criminals will lie that they can't withdraw funds normally on the grounds of incorrect card number input, freezing, system platform jamming, account running, etc., and then pay the deposit.