What model to use for fully unbalanced data? I am working on an anti-fraud project. In the project, we are trying to predict the fraud user in the out time data set. But the fraud user has a very low ratio, only 3%. We expect a model with a precision more than 15%.

I tried Logistic Regression, GBDT+LR, xgboost. All models are not good enough. Step wise Logistic Regression performs best, which has a precision of 9% with recall rate 6%.

Is there any other models that I can use for this problem or any other advise ?
You can balance your data-set.
Many models work with batches of samples. If you have a very unbalanced dataset, you can simply split it and ensure your batches are balanced (for example, for a Neural Network, using minibatches of 32 samples, you could draw 16 from your fraud users, and 16 from non-fraud users).
During the learning phase, this ensures the model doesn't just output the most common class, but instead tries to learn to distinguish both.