Legal analysis: For the security of your information, it is safe for you to apply for a credit card through the formal channels provided by the bank.

Legal basis: "The People's Republic of China and the Civil Code"

Article 667 A loan contract means that the borrower borrows money from the lender and returns the loan and pays when due interest contract.

Article 668: A loan contract shall be in written form, unless otherwise agreed upon for a loan between natural persons. The content of a loan contract generally includes terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.

Article 669: When entering into a loan contract, the borrower shall provide the true situation of business activities and financial status related to the loan as required by the lender.

"Civil Procedure Law of the People's Republic of China"

Article 253: The person subject to execution fails to perform payment within the period specified in the judgment, ruling and other legal documents If there is a monetary obligation, double interest on the debt during the period of delayed performance shall be paid. If the person subject to execution fails to perform other obligations within the period specified in the judgment, ruling or other legal documents, he shall pay a delay performance fee.

Article 255: If the person subject to execution fails to perform the obligations specified in the legal document, the people's court may take measures against him or notify relevant units to assist in taking measures to restrict him from leaving the country, record the failure in the credit reporting system, and announce the failure through the media. Obligatory information and other measures required by law.