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「刷卡換現金」業者會和持卡人約在大賣場碰面，確認持卡人的身份之後，由持卡人向大賣場刷信用卡購買商品，再把商品賣給「刷卡換現金」業者，從業者手上拿到現金。貸款最忌諱後續還不出來，將衍生一連串嚴重債務問題，應試算自己每月薪資扣除必要支出�

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