1. Risks from cardholders: First, cardholders maliciously overdraw. Second, the cardholder lied that he had not received 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 reality, employees can access the customer's card information and even leave the customer's sight with the card. Employees who violate the rules will use customers' credit cards to spend money, and will withhold invoices generated by illegal use, causing losses to customers. The second is illegal business fraud. Illegal merchants guide consumers to log on to their own websites through domain names or emails similar to well-known stores. It is difficult for consumers to identify the authenticity of Internet merchants, and it is easy to submit payment information. The owner of the franchise store forged the customer's purchase invoice himself, and then asked the bank for money with the fake invoice.

3. Risks from third parties: First, theft. Thieves will make a lot of quick transactions until the legitimate cardholder reports the loss and the card is frozen by the bank. The second is plagiarism. In hotels, restaurants and other places, the authorization link usually leaves the cardholder's sight, which gives unscrupulous staff the opportunity to obtain magnetic stripe information by using small card reading equipment. The third is ATM fraud. ATM equipment fraud is usually due to password theft or forgery, or even violent robbery. The fourth is forgery. Criminals first obtain the customer's credit card information by stealing and other means, or illegally install a receiving device in the keyboard input device, or computer hackers obtain it by attacking the online banking system, and then forge credit cards for fraud. The fifth is identity fraud. This includes both stealing consumer identity and copying business identity. The sixth is false declaration. Criminals use false identification and credit materials to handle credit cards, or falsely report the loss, and then defraud to cancel a certain fee or withdraw cash, causing losses to banks.

4. Risks from commercial banks: There are illegal staff in commercial banks, who often use their powers to commit crimes internally. Making a credit card without authorization or stealing a credit card that has been made, pretending to be a customer to withdraw cash or spend it with a card; Or go beyond the authority without authorization and take a lot of cash; Or steal cash by changing computer customer data and deposit balance.