The bank did not transfer money to offset the bill. When the cardholder uses the credit card to make a large amount of consumption, the issuing bank will pay the consumption funds of the goods purchased by the cardholder to the merchant in one lump sum, deduct the consumption funds by stages through the cardholder's credit card account, and repay the money according to the monthly recorded amount.

According to the number of installments, whether it is bill installment or single consumption installment, the premise of the bank is to generate consumption behavior first, and then the bank will set installment repayment for the generated credit loan.

Extended data fraudulently uses lost or stolen cards. Once the card is lost or stolen, the fraudster will use it to obtain goods, services or cash. Preventive measures can only be taken after the report is lost or stolen. Therefore, under normal circumstances, when the card has just been lost or stolen, the fraud activities are the most.

Intercept credit cards. The card was intercepted in the mail and then fraudulently used. Cards may be intercepted at different links in the mailing process, the distribution center of the issuing bank, the mass transportation process of the carrier, the mail sorting system, and the cardholder's location.

The average loss of these fraud types is generally higher than that of lost or stolen cards, because cards are not signed when they are intercepted, and fraudsters can sign cards at will and use their own signatures on transaction documents.

Baidu Encyclopedia-Credit Card Risk