Because there are a group of people who can't repay the overdraft of credit cards in society, a group of "cardholders" have appeared to cancel the repayment period of credit cards for others and withdraw the corresponding handling fees. Within the agreed time limit, the cardholder must pay off the credit card debt in cash before the credit card can show normal repayment. This group of "professional card owners" or "card companies" not only use POS machines to help others withdraw cash, but also help "borrowers" repay money before the end of the interest-free period of credit cards, and then realize cash withdrawal again. One-stop service is completely similar to "loan bank".

"In fact, the cashing behavior of' professional cardholders' not only faces great legal risks, but is also likely to be' hacked'. If the cardholder reports the loss immediately after making a deposit, the cardholder cannot brush back the money and may suffer property losses. " Tang Bin, director of Qianqiao Police Station, said that for cardholders, they need to provide their own credit cards and personal information while looking for "professional cardholders" to handle business, and the other party may steal their credit cards by copying cards or other means.