How to spot a fake money-lender call or text
Spoofed numbers, advance fees, and one-time passwords. Why you should verify China Prestige Capital by calling 3622 2934 yourself.
Caller ID can be faked
The number on the screen can be rewritten. A familiar number does not prove who is speaking. A link in a text can imitate a website. Verify in one direction only: dial 3622 2934 yourself, or type cpc-credit.com yourself. Do not tap the link they sent.
We also use WhatsApp +852 9868 0040. Even if the number looks right, stop if the chat asks for a verification code, a banking password, or an immediate transfer. Switch to the voice hotline.
The usual script
The caller congratulates you on an approval, then says tax, insurance, or a deposit must be paid before the money is released. The account is in a personal name. Later they say the first payment is frozen and another payment will unlock it. That is a staged fraud, not a loan procedure.
Another script claims to be the government, a bank, or the police, and says your money must move to a safe account because of money laundering. A licensed money lender does not join that script, and does not tell you to hide it from your family.
What not to give on the phone
Do not read out a one-time code, install remote-control software, or hand over an ATM card. A copy of an identity card may be needed in a real application, but only after you have verified the other party, and only through a channel you chose. A first cold call is not that moment.
Our form says not to enter an identity-card number, a banking password, or a one-time code. A page that asks for them should be treated as fake.
If it has already happened
Stop paying. Keep the records. Tell the bank or payment service, and consider the police. Then call 3622 2934 from your own phone so we can say whether this firm is involved. Do not redial the number that called you.
Tell your family, especially if the caller demanded secrecy. The demand for secrecy is part of the method.
Advertisements can be copied
Fraudsters copy a licensee’s name, licence number, and even office photos. Check the licence number together with the hotline you dial yourself. A sports car, a slogan, or the poster line about investment management does not prove who is calling.
China Prestige Capital is not a bank and does not offer investment returns. A loan dressed up as an investment that needs a deposit first is not genuine.
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Before you read
Warning: you have to repay your loans. Don’t pay any intermediaries.
China Prestige Capital is a licensed Hong Kong money lender, licence 1848/2025. Enquiry and complaint hotline: 3622 2934. We are not a bank and not an SFC-licensed corporation. We do not take deposits or provide securities or asset-management services.
Under the Money Lenders Ordinance, the APR must not exceed 48%. The HK$20,000 example on this site is illustrative only: monthly flat rate 0.052%, APR 1.15%, 12 months, no handling fee, monthly interest HK$10.4, total repayment HK$20,124.8. Your rate, amount, and term are assessed individually and confirmed in writing.
Sending an enquiry, or reading an article, is not an approval. A second mortgage or owner loan is secured on property. Default may lead to enforcement and sale. Obtain your own legal advice before signing any security document.