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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。借錢管道百百種，究竟那些借錢網站平台合法又安全？信貸審核沒過難道只能找地下錢莊？�

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