1. Risks from cardholders: First, cardholders maliciously overdraw; Second, the cardholder lied that he did not receive the goods; The third is to report the loss first, and then use a large number of loss reporting cards in a very short time; The fourth is to use credit card overdraft to issue usury. 2. Risks from enterprises: First, illegal employee fraud. In fact, employees can access customers' card information. ...