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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。銀行、合法借貸公司等機構絕對不會要求你提交身份證件或銀行存摺作為貸款獲批的條件。�
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