Contract fraud: If during the process of signing a contract, you know that you do not have the investment/operation entity project stipulated in the contract, and you have no actual ability to perform it and defraud the other party of money and the amount is relatively large/huge/especially huge, then you shall The behavior constituted the crime of contract fraud. Fraud crime (Article 266 of the Criminal Law): Anyone who commits more than 3,000 yuan shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also be fined or shall be fined alone. If the amount exceeds 30,000 yuan, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years, criminal detention or public surveillance, and shall also be fined. If the amount exceeds 500,000 yuan, he shall be sentenced to fixed-term imprisonment of not less than three years or life imprisonment, and shall also be fined or have property confiscated. Credit card fraud (Article 196): Anyone who commits more than 10,000 yuan but less than 100,000 yuan shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan. If the amount exceeds 100,000 yuan, he shall be sentenced to fixed-term imprisonment of not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan. If the amount exceeds 1 million yuan, he shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated. In order to avoid and reduce financial, credit and legal risks, it is recommended: 1. Keep communication channels with banks open; 2. Avoid cashing out and borrowing from each other; 2. Actively and continuously repay according to your own ability (you can repay the principal first)