Credit card, financing and loan business are basically scams, especially those that charge materials, deposits, personal insurance and other pre-loan fees. The main features of fraud are: charging fees from personal bank accounts (so-called legal persons, managers and financial officers), or asking to reserve the mobile phone number bound to the bank card as the other party's mobile phone number, in order to verify the financial strength (repayment ability) and other reasons, asking to deposit money on one's own card.