It is possible that the investor clicked on the online loan and small loan platform and registered an account, but did not apply for a loan. Some irregular platforms force the loan to occur and transfer it to the investor's card through Huichao payment. Make mandatory loan repayments and charge interest.

Huichao Payment is a third-party non-bank payment platform. From the referee cases, we learned that among the customers of Huichao Payment, some online loan platforms have been involved in illegal deposit collection or fund-raising fraud. In the past three years, Huichao Pay has paid about 7.7 million yuan in fines alone.

1) Keep your credit card properly and do not place it together with your identity document.

2) Do not disclose important credit card information such as card number, validity period, CVV2, etc. at will.

3) Carefully identify the reliability of the merchant.

4) Set up SMS notifications for credit card consumption and monitor them in a timely manner.

5) When traveling abroad, be sure to keep in touch with the bank, check consumption in a timely manner, and instruct the bank to help monitor consumption in high-risk areas and merchants. When returning from high-risk areas, apply for card replacement in a timely manner.