All credit card, financing and loan businesses handled in different places and based on the Internet platform are basically scams, especially those that charge pre-loan fees such as material fees and personal insurance fees. The most obvious features of fraud are: publishing information in the name of the company, signing contracts, charging fees from personal bank accounts (so-called legal persons, managers and financial leaders), or asking for their own cards for reasons such as activating and verifying the financial strength (repayment ability).