⚠️ LOAN APP SCAM SE BACHNE KE LIYE IMPORTANT TIPS

Story: I want to share my recent experience with an online loan application so that others can be careful. I found CreditRavento through an advertisement and applied for a small loan. During the application process, the app asked for different permissions including Call Logs, Camera and Location. I also uploaded a normal face photo and provided my Gmail ID. I did not knowingly complete a proper loan agreement or sign loan documents. However, around ₹2,400 was credited to my bank account. After that, I was asked to repay around ₹4,000 within a very short time and was pressured to make the payment quickly. I became suspicious after checking other users' experiences and seeing similar complaints about repayment demands and alleged harassment/blackmail. I disabled the app's permissions, removed the app and reported my experience through the National Cyber Crime Reporting Portal. What I learned from this experience: Don't download loan apps randomly from advertisements. Always verify the actual lender/NBFC before applying. Read the KFS, loan agreement, total repayment amount, interest, fees and due date carefully. Don't blindly allow Contacts, Call Logs, Photos, Camera or Location permissions. Never share OTP, UPI PIN, ATM PIN or banking passwords. If a small amount is credited and you are suddenly pressured to repay a much higher amount immediately, don't panic. Verify the lender first. If someone threatens or blackmails you, save screenshots, numbers and messages and report it instead of paying out of fear. Please learn from my experience. An emergency can make us act quickly, but always verify a loan app before giving it your personal data or accepting money. Stay alert. Stay safe. ❤️🙏