After the compulsory payment is paid off, the user unbinds the bank card or cancels the loan account, and 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. Due to the compulsory payment by the previous lending institutions, the possibility of compulsory lending in the future is not ruled out. For users, products that are forced to borrow are illegal, and users can keep evidence to complain about lending institutions.