Liar, in short, is to cheat you to spend more than 199 on different consumer membership cards (the fee is not refundable). They have a lot of naval forces, the purpose of which is to cheat more people and defraud the commission and expenses of the card. The function of membership card is high-end consumption, and it is a nominal VIP family. In fact, it is to earn high commissions for businesses in various fields and promote consumption. Secondly, everyone is most concerned about "high credit card quota", which is actually a core means for them to promote fake cards. The black card platform is to promote many loan APP companies and earn advertising fees. What is even more amazing is to earn high service fees. For example: 50,000 yuan, in addition to the high interest charged by financial institutions, black cards also charge an extra service fee of15,000. This is the result of my actual experience.