Haha, there are indeed many such institutions... The reason is that now many people use their cards to overdraft in advance.
When the time comes to repay, they will not be able to come out for a while. But if not If you repay it, your credit limit will be ruined and your integrity will be affected. If you take out a loan to buy a house in the future, it will be more troublesome.
Therefore, many people need these institutions to help them. Repay. Pay a small portion of the handling fee...
If there are more people in need, there will be a lot of advertisements like this...