Scammers are increasingly targeting university students and young people entering the workforce with offers such as “buy 3C products through cardless installments,” “help us meet sales targets,” or “earn bonuses by referring classmates.” They may even claim that they will pay the remaining installments, making victims believe they are simply lending their names for an installment plan and will not have to bear the debt.

A common scheme begins by persuading victims to apply for installment payments for 3C products under their own names. The scammers may initially pay part of the cost or issue a promissory note to gain trust, then claim they will cover the remaining installments. They may also offer commissions or bonuses to encourage victims to introduce classmates to the scheme.

Once the scammers stop making payments, victims who thought they would not have to pay may discover that the installment contract was signed in their own names and that they are responsible for the resulting debt.

Taiwan’s 165 Anti-Fraud Hotline reminds the public not to provide personal information, sign installment contracts or apply for loans simply because someone promises “high commissions” or “easy bonuses.” When a proposal requires a person to purchase goods, take out a loan or arrange installments in their own name while another party promises to make the payments, extra caution is necessary. Always verify the contract terms and payment responsibilities before proceeding.