When your credit agreement is signed and approved, the borrowed funds are usually transferred to your current account within 48 hours. From that moment on, every operation related to your credit (monthly repayments, possible insurance premiums, etc.) passes through your online banking space. This is precisely where cybercriminals try to intervene: at the moment when the funds are available on your account or when you carry out regular transactions.
Your first monthly installment is debited during the month of signature of the credit agreement, then every month until the end of the contract. If a fraudster accesses your PC banking, they can attempt to divert these flows or make additional transfers in your name. Understanding how your credit is technically handled online is therefore essential for protecting yourself effectively.