As long as there are no violations when using a credit card for online shopping, you will not be suspected of malicious cashing out. Online shopping with a credit card is within the normal scope of use.

There are three main forms of malicious cash-out.

The first is direct cash withdrawal. Credit card cash-out intermediaries that provide direct cash withdrawals generally have fixed consumption accounts and apply for POS machines from acquirers, or cooperate with merchants that have POS machines. The cardholder uses the credit limit in the credit card to make purchases through virtual transactions. After the transaction is completed, the credit card cash-out intermediary will deliver the cash directly to the cardholder after charging a certain fee. The general fee standard is about 2%. .

The second is the transition of advance capital. Because credit cards are overdrafts, as long as the money is deposited into the bank's designated repayment account before the repayment date, you can continue to obtain new credit lines. For cardholders, if they have no money on hand to repay the debt, they can use the help of a credit card intermediary. Before the final repayment date of the credit card, the credit card intermediary company will make a one-time contribution to pay off the card debt. Of course, your own credit card will also It must be deposited there. After the repayment date has passed, the bank account has been completed, and the new credit limit has been reduced, the credit card intermediary will transfer the funds that have been advanced back to its own account. Of course, it will charge a handling fee of about 2.5%. The remaining credit limit will be used by the cardholder. You can continue to cash out if you want, or you can keep it on the card.

The third is to cash out empty cards. The cardholder can use the credit card that has been overdrawn and go to a large store that has business connections with the bank to make virtual consumption in installments through the intermediary services and contacts of the credit card intermediary company. This can also achieve the goal of cashing out. However, because this method requires the cooperation of the merchant and is relatively risky, the handling fee is as high as 10% to 18%.