This paper tries to find out the personal characteristics of the repetitive victims of rotating credit association (RCA) fraud, and to specify the difference of the way of joining RCA between single-time victims and repetitive victims. We found that most repetitive victims are female, mid-aged, low family-income, and education beyond senior high school. Among all the victims, those who are easily recognized, like old-aged, low-income, less-educated, and multi-financial management styles and those who usually expose themselves to high risk, such as tending to join the RCA with high monthly payment or large group of members are at higher risk to be repeat victims. We suggest, through education, and the declaration from the government, people will get better understanding of the RCA, and avoid from being the repeat victims of RCA fraud. We think that the measures taken above will get better result than the action from the legal side.