After signing a loan contract with Ping An Puhui, if someone asks me to transfer my bank card to them, is this fraud and what legal risks are there?

Such a request is highly likely to be fraud rather than a legitimate operation of the platform. According to the People's Republic of China Banking Law and Measures for the Administration of Bank Card Business, bank cards are personal financial tools that cannot be transferred, lent, or sold to others. Article 19 of the Measures for the Administration of Bank Card Business explicitly stipulates that cardholders shall not transfer or lend their bank cards to others.

If you comply with the request to transfer your bank card, you may face multiple legal risks. First, if the other party uses the card for illegal activities such as money laundering, fraud, or illegal fund-raising, you, as the cardholder, may be held legally responsible—this could include administrative penalties like fines or even criminal liability if the circumstances are serious. Second, your personal property security will be severely threatened; others can use your card to withdraw funds, make unauthorized transactions, or steal your sensitive information, leading to direct financial losses.

Practical advice for you: First, immediately verify the identity of the contact through Ping An Puhui's official customer service channel (use the phone number on the official website or loan contract, not the one provided by the other party). Legitimate financial institutions will never require customers to transfer bank cards or provide passwords. Second, if you suspect fraud, report it to the police promptly and keep all relevant communication records (chat history, call recordings) as evidence. Third, never disclose your bank card password, verification code, or other sensitive information to anyone, and never transfer or lend your bank card to others.