亲友代付套现（推荐指数：★★★★☆）
原理：通过真实消费场景转移资金。
操作步骤：
1. 使用额度为亲友代购商品（如日用品、电子产品）。
2. 亲友以现金或转账返还等额资金，手续费0%。
注意：需保留交易凭证，避免被判定虚假交易。
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