张家界和侄子无忌专门盗取别人资料，送到非法工厂去伪造信用卡。某天银行职员SISI到张的黑店购货，无忌乘机北朝鲜她的资料传真给工厂，复制使用。不久SISI收到月结单，到张的店里理论，但证据不足。SISI拒绝付账，追账公司派员工上门追讨欠款，SISI求助好友武哥及阿嫦，嫦先去张店用信用卡买东西，然后引无忌回家，让他发现更多人的资料，把他介绍给武，未几，张决定请大陆人到外国冒签信用卡减低风险，于是武派人假扮大陆人与张接洽，然后报警，将无忌等人全部擒获。
Four people form an unlikely alliance to sting a three-man credit-card scam operation. Behind the front of an electronic appliance store, Mr. Chiang and his bumbling nephew Wuchi, aided by a technical wizard called Blond Chiang, operate a high-tech credit-card scam. Sisi, one of their victims who works for the bank whose cards are being forged, joins forces with Do Do, a spirited collection officer for a finance company, with Wu, a good-looking petty thief who owes Do Do's company money, and with Lulu, Sisi's friend who lives in Wu's apartment. Wu pretends to work with Chiang, Lulu pretends to like Wuchi, Do Do dons peasant dress, and the trap is set.
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