After the compulsory payment is paid off, the user unbinds the bank card or cancels the loan account, so it is impossible for the lending institution to force the loan again. However, the user did not unbind the bank card or cancel the account. Since the previous lending institutions forced payment, the possibility of forced loans in the future is not ruled out. For users, the products of compulsory lending are illegal, and users can keep evidence to complain about lending institutions.