The usual means of this kind of fraud is to induce you to "register your personal information" and "sign a contract" in the name of winning a prize, getting a loan, getting a card, etc. And then make up all kinds of reasons to cheat money. If you refuse to be cheated, the swindler will tell you that you have been prosecuted (pretending to be a court) on trumped-up charges such as suspected breach of contract, falsely claiming to send you a subpoena, and even take coercive measures to scare you into paying the so-called liquidated damages, termination of the contract and settlement.