#avoid fraud

[smartebenacashing]

중요 공지: 상품권 현금화 시 숨은 수수료를 꼭 확인하세요

한 번이라도 상품권을 현금으로 바꿔보신 적 있다면 이런 경험 있으실 거예요. 분명 10만원권을 현금화했는데, 입금액이 기대보다 훨씬 적게 들어온 적이 있죠? 그 이유는 바로 숨은 수수료 때문입니다. 하지만 좋은 소식도 있습니다. 대부분의 수수료는 피할 수 있으며, Ebena가 그 방법을 안내해드립니다.

왜 숨은 수수료가 이렇게 많을까요?

상품권 현금화가 점점 대중화되면서 다양한 플랫폼이 등장했습니다. 하지만 모든 사이트가 투명하게 운영되는 것은 아닙니다. 일부 업체는 “무수수료” 혹은 “최고가 매입”을 강조하지만, 막상 신청을 하면 서비스 수수료, 처리 수수료, 즉시 입금 수수료 등 각종 명목으로 예상보다 더 많은 금액이 차감되는 경우가 많습니다. 이 수수료는 처음에는 잘 보이지 않다가 마지막 단계에서야 고지되는 일이 빈번하죠.

주의해야 할 점

불명확한 약관: 수수료 구조가 신청 전 명확하게 공개되지 않는 사이트는 주의가 필요합니다.

너무 좋은 조건: 95% 이상의 매입률을 내세우는 곳이라면 반드시 약관과 실제 지급액을 꼼꼼히 확인하세요. 일부 프로모션은 일시적이거나, 사기를 유인하기 위한 미끼일 수 있습니다.

마지막에 등장하는 수수료: 최종 단계에서만 수수료가 고지된다면, 꼭 입금 전 최종 금액을 확인하세요.

이렇게 하면 수수료를 줄일 수 있어요

반드시 여러 곳을 비교하세요: 한 곳만 보고 바로 신청하지 말고, 신뢰할 수 있는 두세 곳에서 견적을 받아보세요.

약관 꼼꼼히 읽기: 수수료, 서비스 요금 등이 명확하게 표시되어 있는지 확인하고, 불확실하다면 상담을 받아보세요.

신뢰도 높은 플랫폼 이용: Ebena처럼 모든 수수료와 조건을 사전에 공개하는 믿을 수 있는 업체를 선택하세요.

Ebena를 추천하는 이유

저는 여러 현금화 업체를 이용해봤지만, Ebena만큼 투명하게 운영되는 곳은 드물었습니다.

수수료 완전 공개: Ebena는 거래 전 모든 수수료를 명확히 고지해줘서, 예기치 않은 차감이 없습니다.

신속한 처리: 입금은 대부분 몇 분 내로 완료되었고, 견적과 실제 입금 금액이 항상 일치했습니다.

탄탄한 평판: 실제 이용자들의 리뷰와 커뮤니티 평가가 높아 안심하고 사용할 수 있습니다.

Ebena만의 특별함

Ebena는 단순히 상품권 현금화만 하는 것이 아닙니다. 모바일 상품권, 백화점 상품권, 티머니 등 다양한 품목을 안전하게 현금으로 전환할 수 있고, 웹사이트에서 실시간 시세도 비교할 수 있어 합리적인 선택이 가능합니다. 고객센터도 친절하고 신속하게 문의에 답변해줘 신뢰도가 높아요.

결론

상품권 현금화는 간편하고 안전해야 하며, 무엇보다 정직해야 합니다. 숨은 수수료에 속아 소중한 가치를 잃지 마세요. Ebena처럼 모든 비용을 투명하게 공개하는 플랫폼을 이용하면, 번거로움 없이 내 상품권을 현금으로 바꿀 수 있습니다.

숨은 수수료 없이 안심 현금화, Ebena에서 바로 경험해보세요: https://ebena.net

[tradingbells]

Discover essential tips to safeguard your demat account from potential fraud in this insightful blog. Learn how to protect your investments and secure your financial future with expert advice from TradingBells. Don't let fraudsters jeopardize your hard-earned assets – arm yourself with the knowledge to stay safe in the digital age! For more such blogs: Visit our blog site today: https://tradingbells.com/blogs And for Finanacial Advice reach us at: https://tradingbells.com/ Phone: +91 932 953 6100

[dumbasswithapen]

can we just listen to Disabled people when they say what accommodations they need??? Like it really isn’t that hard to just take someone’s word on what is best for their own body! Whether it’s more or less or different than what you deem they need it really isn’t your place to say!!!

Sometimes, people need more than they show! Especially if they’re used to being in pain all the time, then they won’t always display that discomfort.

Sometimes the accommodations someone needs are different than what you assume. A friend who struggles with noise sensitivity may ask for you to turn on a different type of music, instead of turning it down, and if that is what they express they need you don’t have to say “oh no I can just turn it down!” and ignore them saying that that isn’t necessary because your idea of noise sensitivity is different than their own experiences and needs.

And sometimes people need less than you try to provide! Or simply don’t want that accommodation at the time! And here’s the crazy part: this applies even if what they say to do could hurt them. Obviously this isn’t a rule for every situation*, but for some it absolutely is. If your friend wants to tag along for, say, a hike, and they have joint pain it isn’t your place to add in “oh no but they can’t do [the hike]! They’ll be in pain! We have to do something else to accommodate them!” If that person expressed a desire to go, especially if offered other options prior that wouldn’t hurt them, let them live. Let them do the thing that puts them in pain, because Disabled people don’t always want to be shoved into a little box of safety. Absolutely sometimes they do, and some might always want to, but if they don’t, then let them make their own choices for their body. Just as anyone else does. You go out and get drunk, even if it gives you a hangover. You go skating even if you’re shit at it and scratch up your knees a bunch. Just because someone is Disabled doesn’t mean that they can’t do the same thing and do that fun thing that hurts them.

I don’t know if I’m displaying my point how I want, so here’s my own example: I am allergic to the cold. Anything below 60 degrees (f) I get hives. Any water cooler than a fucking warm shower I get hives. My joints don’t do great when it’s cold out. This does not mean that when I say I want to go swimming, you can say “oh but you can’t you’ll get hives!” Or “no you can’t do that you’ll be in pain!” Because. I know that. I know that. I know my Disability better than anyone else can, and I can ask for accommodations I need. I am not a child to be wrapped in bubble wrap so I don’t get hurt. My body is my body and I can do with it what I want, and face the consequences. Likewise, just because I said I wanted to go swimming doesn’t mean that when I don’t want to go out and muck around in the snow it is anyone’s right to say “oh but you wanted to swim earlier, so obviously it isn’t that bad for you!” Or “oh it’s fine it’s not that cold! Just wear a sweater!” Because at that time I need and want different accommodations and that should be listened to and considered accordingly, as far as it can be in that situation.

Seriously. Just listen to us. We are in our own bodies. We know ourselves. It really isn’t that hard

*a situation where this point would be null is, for example, a situation where the person has been peer pressured into doing something, or one where you know the person well and know that the endurance of pain is a self-harming behavior

[dawns-beauty]

i feel like actual artists would sideeye the dumb stuff i do to make mod assets.

like, i'm sure i'm past the point where learning how to use modelling software would be easier (and probably look better.)

alas. naught to be done about it.

[romainlettusdinnerparty]

someone tell me how there was this much of an abundance of lucy dacus music i was just unaware existed?? i am a fake fan this hurts me

[rabbiteclair]

a while back my mom discovered that the owner of the company was stealing basically all of the money that he was supposed to submit for things like 'taxes' and 'health insurance' and 'court-mandated payments' for the employees, listing them on the pay stubs but then pocketing the money to help keep the company afloat

she then made sure that everybody in the company knew, submitted her resignation effective immediately, and spent about the next week calling government offices to report every crime, regulatory violation, and breach of employment contract that she could think of. and now it looks like the series of investigations that she kicked off might be the thing that finally destroys this man's company.

sometimes I'm proud of her

[hoodiegal]

Amazon is a piece of shit website and I hate it. I hope I get this item and it matches specification, and after that I'm never using it again.

I find an item I want to buy. Click "buy".

"You have to log in to your account!" Okay, fine. I appearantly have an account on here since ages ago, my password manager has saved my login details. Log in, click buy.

"Your main payment method has expired!" Okay, I'll remove it and add a new. How do I remove it? I can't remove it. I can change the expiration date on the expired card for some reason but I can't remove it. Aight. I'm adding a virtual card and transferring enough to cover only this transaction because fuck you you're not getting my real one.

"Heyyyyyyy so you know we said shipping would take a week and cost $X, yeah that was actually a lie, there are two shipping options, one that takes a month and costs $X, and one that takes a week and costs $Y." Cool. Cool cool cool. Fine, I'll pay the extra $9 to get the one week shipping you already promised me. Ah, that means there's not enough funds on the virtual card. Add more.

"Order placed! You'll get an email confirmation." Okidok, let's check my email.

"Order confirmed! Also, Order Cancelled." What. Why.

"You don't have an ID linked to your account so we decided to cancel this order until you verifiy your identity!" You knew this was the case during the entire order process. You didn't ask me to until now? You pieces of shit. Fine, I'll verify identity.

"Please give us access to your webcam and hold up your photo ID in front of it." Okay, I got my ID and... no, you are trying to access my virtual camera that is used for streaming. I need you to access my physical camera that can actually see outside of my computer. How do I change...? Okay, I can't change it. Cool. Cool cool cool. Guess I'll bring this up on my phone instead then.

"You're logging in from a new device, in order to protect your identity-" Yeah yeah, email me the code like when I logged in on the computer, get on with- "please solve these puzzles!"

Are. You. Fucking. KIDDING ME.

After solving the piece of shit puzzles and taking photos of my ID, they go "aight we done, you're getting an email with more info".

"We're going to review the information you submitted and make a decision on whether to un-cancel the order. Please wait up to 3 business days for this."

GREAT. THANKS.

[blee-bleep]

so what if i go insane and draw diakko as these panels

[fincrif]

How to Protect Yourself from Personal Loan Phishing Scams

In today’s digital world, personal loans have become more accessible, allowing borrowers to apply online and receive funds quickly. However, this convenience has also led to a rise in phishing scams, where fraudsters attempt to steal your personal and financial information by posing as legitimate lenders. These scams can result in identity theft, financial loss, and fraudulent loan applications in your name.

If you’re planning to apply for a personal loan, it is essential to understand how phishing scams work, the warning signs to look for, and the best ways to protect yourself.

1. What Are Personal Loan Phishing Scams?

A phishing scam is a fraudulent attempt to trick individuals into providing sensitive information such as bank details, Aadhaar number, PAN card, OTPs, or login credentials. Scammers typically impersonate banks, NBFCs, or online lending platforms and contact borrowers via emails, phone calls, SMS, or fake websites.

Once they obtain your information, they can:

Steal money from your bank account

Take a loan in your name

Misuse your identity for financial fraud

Access and sell your personal data on the dark web

2. Common Types of Personal Loan Phishing Scams

2.1 Fake Loan Approval Emails & SMS

Fraudsters send emails or SMS messages claiming that your loan has been pre-approved or that you qualify for a low-interest personal loan. These messages often contain links leading to fake lender websites designed to steal your personal information.

2.2 Fake Loan Websites & Apps

Scammers create websites and mobile apps that look like real financial institutions. They trick users into entering personal and banking details, which are then used for fraudulent activities.

2.3 Fraudulent Customer Service Calls

You may receive a phone call from a scammer pretending to be a bank representative. They claim you must provide your OTP, Aadhaar, PAN, or bank details to complete your loan application. Once you share these details, scammers can withdraw money or take loans in your name.

2.4 Loan Processing Fee Scams

Fraudsters promise quick loan disbursal with no documentation but demand advance processing fees or a loan insurance fee. Once the fee is paid, the scammer disappears, and no loan is disbursed.

2.5 Social Media Loan Scams

Some scammers advertise fake loans on Facebook, Instagram, or WhatsApp and ask potential borrowers to contact them privately. Once engaged, they request confidential details, leading to identity theft.

3. Red Flags to Identify Loan Phishing Scams

3.1 Offers That Sound Too Good to Be True

If you receive an offer promising guaranteed loan approval with no credit check, zero documentation, or extremely low-interest rates, it’s likely a scam.

3.2 Unsolicited Loan Messages

Legitimate lenders do not send random SMS, WhatsApp messages, or emails offering personal loans. Be cautious if you receive messages from unknown numbers or email addresses.

3.3 Fake Loan Websites

Before applying for a loan online, always verify the website’s domain name. Scammers often create fake websites with slightly modified spellings of real lenders to trick borrowers.

3.4 Requests for Upfront Payments

No genuine lender will ask for advance processing fees before loan approval. If a lender insists on upfront payments via UPI, Paytm, or Google Pay, it’s a scam.

3.5 Pressure to Act Immediately

Scammers create urgency by saying things like, "Limited offer – Apply now!" or "Your loan will be canceled if you don’t act fast." A real lender will give you time to review the terms.

3.6 Request for Personal Information Over the Phone

A legitimate bank or NBFC will never ask you for OTPs, passwords, or CVVs over the phone. If someone does, hang up immediately.

4. How to Protect Yourself from Loan Phishing Scams

4.1 Apply for Loans Only from Trusted Lenders

Always apply for a personal loan through registered banks, NBFCs, or reputed online lenders. Here are some safe options:

🔗 IDFC First Bank Personal Loan 🔗 Bajaj Finserv Personal Loan 🔗 Tata Capital Personal Loan 🔗 Axis Finance Personal Loan 🔗 Axis Bank Personal Loan 🔗 InCred Personal Loan

4.2 Verify the Lender’s Website

Check if the website URL starts with "https://" (secure site).

Look for official lender details on the RBI website or lender’s official website.

Avoid websites with poor design, spelling errors, or unusual domain names (e.g., "axisbankloans.xyz" instead of "axisbank.com").

4.3 Never Click on Suspicious Links

Do not click on links in unsolicited emails or messages claiming to be from a bank or NBFC. Instead, visit the official website by typing the URL manually.

4.4 Avoid Sharing Personal Information Online

Scammers may ask for your Aadhaar, PAN, or bank details via email, phone, or WhatsApp. Never share sensitive information with unknown sources.

4.5 Enable Two-Factor Authentication (2FA)

Use 2FA on your banking and email accounts to protect against unauthorized access. This adds an extra layer of security if your password is compromised.

4.6 Check Reviews & Ratings Before Downloading Loan Apps

Before installing a loan app, check:

App permissions (Avoid apps that ask for access to contacts, photos, and messages).

Reviews and ratings on Google Play or App Store.

If the app is registered with an RBI-approved lender.

4.7 Monitor Your Bank & Credit Report Regularly

Check your credit report and bank statements for unauthorized loan applications or suspicious transactions. If you spot any fraudulent activity, report it immediately.

5. What to Do If You Are a Victim of Loan Phishing?

If you have fallen victim to a loan phishing scam, take these steps:

1️⃣ Contact Your Bank Immediately – Report any unauthorized transactions and request to block your account if necessary. 2️⃣ Change Your Passwords – Update your internet banking, email, and loan account passwords immediately. 3️⃣ File a Cyber Crime Complaint – Report the fraud to the Cyber Crime Portal (www.cybercrime.gov.in) or call the National Cyber Crime Helpline (1930). 4️⃣ Report to RBI & Consumer Forum – If you have been tricked into a fake loan scheme, report it to the RBI and National Consumer Helpline (1800-11-4000). 5️⃣ Monitor Your Credit Report – Check for unauthorized loans taken in your name and dispute them with credit bureaus like CIBIL and Experian.

Stay Alert & Borrow Safely

Personal loan phishing scams are on the rise, but you can stay protected by being vigilant. Always verify loan offers, apply only through trusted lenders, and avoid clicking on suspicious links.

For safe and secure personal loan options, apply here: 👉 Compare & Apply for a Personal Loan

By staying cautious and informed, you can protect yourself from loan fraud and ensure a safe borrowing experience.

[asanee44]

Recognizing a Fake Babalawo: Red Flags & Warning Signs

In this powerful livestream, we expose the truth about fake Babalawos and the red flags you need to watch for. Too many people fall victim to spiritual scams, losing their money, time, and even their peace of mind. But you don’t have to be one of them! Join us as we break down the biggest red flags, from scare tactics to financial exploitation. We reveal how to verify a real Babalawo, what…

[c-53]

Leela is having the same issues my unnamed raspi 3a was having so now im like. Looking at my router or the sd i reused like ‘which one of you is it’

[lcpmon]

actually fucked up thinking abt how close the events of s//wsh are to scar//vio in regards to peony

imagine ur brother goes to jail for trying to start the apocalypse regardless of intention and then sometime within a year, your kid gets in trouble for LP manipulation as well as starting a group that ended up becoming the very problem it sought to protect them against

crime runs in the family with good intentions 😔 and they both have to be a little manipulative or leave out details to the ppl around them

[tankgotstuckinthecircusgate]

once again sorry for the way i wrote carlo bc im rereading fp files again & he looks like the most peaceful guy out there

[ausetkmt]

They Flippin in Georgia

[waywardsalt]

i. get the vibe that the more mainstream zelda fans are allergic to the idea of liking characters who like. do bad things