3860 9436 — Spam Report / 垃圾電話報告

About this number / 關於此號碼

3860 9436 often leans on fast approval, instant disbursement, or tax-loan promotions and comes across as a highly intrusive finance caller. If you do choose to answer 3860 9436, prepare an exit phrase before the call begins. When the script does not match a service you actually use, hang up and contact the organisation directly.

不少回報把 3860 9436 視為偏負面的借貸垃圾來電，通常圍繞私人貸款、清卡數或債務重組展開。 即使選擇接聽 3860 9436，也宜在通話前準備好結束話術。 若對話內容與你印象中的服務不符，先掛線並聯絡相關機構查證。

What to do / 應對方法

Do not return calls to unknown numbers. If you did not expect this call, it is best to ignore it. You can block this number on your phone.
不要回撥陌生號碼。如果你沒有預期此來電，最好忽略它。你可以在手機上封鎖此號碼。

How to block / 如何封鎖

iPhone: Settings → Phone → Blocked Contacts → Add New.
Android: Recent Calls → tap the number → Block / Report spam.