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 lot of loss reporting cards in a very short time. The fourth is to use credit card overdraft to issue usury.

risks from businesses: first, illegal employee fraud. In reality, employees can access the customer's card information, and even leave the customer's sight with the card. Illegal employees will use customers' credit cards to spend money, and will withhold the invoices arising from illegal use, resulting in losses to customers. The second is illegal business fraud. Illegal merchants guide consumers to log in 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 special store forged the customer's purchase invoice himself, and then asked the bank for money with the fake invoice.

risks from third parties: first, theft. Thieves will trade in large quantities and quickly until the legitimate cardholder reports the loss and the card is frozen by the bank. The second is copying. 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. Fraud in ATM equipment is usually caused by password being stolen or forged, or even violent robbery. The fourth is forgery. Criminals first obtain customer's credit card information, such as stealing, or illegally installing receiving equipment in keyboard input equipment, 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 plagiarizing merchant identity. pack up