Indicates that the maximum limit of available credit cards has been overdrawn. When a cardholder uses a credit card to make a large amount of consumption, the issuing bank will pay the consumption funds of the goods (or services) purchased by the cardholder to the merchant in one lump sum, and deduct the consumption funds from the cardholder's credit card account in stages according to the cardholder's application, and the cardholder will repay according to the monthly recorded amount.

In the past, credit card installment mainly included bill installment and single consumption installment, and banks usually charged corresponding handling fees according to the number of installments. Whether it is bill installment or single consumption installment, the premise is to generate consumption behavior first, and then the bank will set installment repayment for the generated credit loan.

Expand data consumers: the service staff overshoots the cardholder's consumption process, or steals his credit card information to other businesses for consumption. This situation can happen whether it is a physical business or a network virtual business.

Issuer: The computer system has been maliciously invaded, stealing the basic/transaction information of customers. There are also unscrupulous employees who steal from the house, or the evil inside the house.

Trading system and mechanism: as long as it is formulated or handled by human beings, human errors and omissions will inevitably occur; No matter how rigorous the trading mechanism is, with the world-class trading system from confirmation to settlement, it is still possible to be invaded, and the so-called "invasion" is actually divided into levels.

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