Fraud Alert: Scammers Offering Unlimited Virtual Credit Cards with Sky-High Interest Rates

The company **F6**, a leading developer of technology to combat cybercrime, has identified a new scheme of financial fraud. Scammers are offering to issue virtual credit cards with a limit of **100,000** rubles at an interest rate of **99%** per annum, without any restrictions based on age, credit history, or other criteria. Under the guise of issuing these cards, the fraudsters request a fee of **3,050** rubles. They steal this money while also gaining access to the victim’s personal information.

**Anyone can apply**

Analysts from F6’s Digital Risk Protection department have documented a new fraud scenario in the financial services sector. This scheme primarily targets seniors, individuals in challenging life situations, and those with poor credit histories.

Experts found a site in the .ru domain where scammers promise a virtual credit card with a limit of **100,000** rubles. The fraudulent website states that card issuance is approved for «almost everyone,» and that credit history is «not important.»

The terms of the credit promised by the fraudsters include an annual interest rate of **99%**, or **0.27%** of the loan amount per day, with a credit line valid for one year. To apply for the card, users must register on the site and fill out a questionnaire, receive approval within 10 minutes, sign the contract online, and gain access to the credit.

During registration on the scam site, users are required to provide a contact email address and create a password for account access. In the questionnaire, they are asked to provide their full name, date of birth, passport data, tax identification number, social insurance number, registration address, actual residence address, employment information, work experience, and personal income.

**Risks are increasing**

In the guise of issuing a card, users are asked to transfer a commission of **3,050** rubles. The loss of this amount isn’t the most significant danger posed to users engaging with this fraudulent service.

The greater risk lies in the willingly shared sensitive personal information, including details about income, employment, and other identifying information. The masterminds behind this scam can use this data for further attacks using social engineering or sell it to other cybercriminal groups.

The password created by the user for their account on the scam site may also be exploited by the criminals. By using the email address of the potential victim, cybercriminals can input the obtained password across various services to gain access to the user’s accounts.

The domain of the fraudulent site that offers virtual credit cards was registered on July 7, 2025, and is set up in the name of a legitimate organization based in Saint Petersburg. The homepage warns users: «Beware of scammers!» F6 specialists emphasize the sophisticated design of the fake site, which features almost no spelling errors—an issue that was common in previous scam websites.

**Expensive debtors**

According to F6 analysts, this new fraud scheme is currently being promoted among participants in one of the major fraudulent affiliate programs. At the initiative of CERT-F6, the site was blocked, but there is a likelihood that new versions may be created using the same template.

The pattern of fraud under the pretext of issuing credit has long been employed by cybercriminals. Previously, scammers actively created clone sites of legitimate lending organizations, offering «assistance» as «credit brokers» to obtain loans, and over the phone, they attempted to collect personal data under the guise of providing «favorable loan terms.»

«Cybercriminals consistently devise new schemes. When identifying potential victims, they primarily target the most vulnerable segments of the population, making it easier to ‘sell’ their bait. In this instance, the victims are overstretched borrowers who, for various reasons, need money but cannot obtain new credit due to their poor credit history,» explains **Evgeny Egorov**, a leading analyst at F6’s Digital Risk Protection department.

**Recommendations from F6 specialists to avoid falling victim to scammers:**

— If you are promised a nearly 100% guarantee for credit card approval or told «we approve almost everyone,» it is likely a scam. The same applies if you are asked for an upfront payment before receiving the loan under any pretext, such as «card issuance» or «service fee.»

— Avoid making payments on websites you are visiting for the first time.

— Do not input personal data on suspicious sites, as this information can be used against you.

— Before visiting an unfamiliar site, check its URL through WHOIS services. Generally, scammers create domains just a few days or weeks prior to launching their schemes.