The batch transfer and settlement transaction of credit cards means that a bank or financial institution sells a batch of credit card accounts (overdue accounts) held by it to a third-party institution as a whole. The third-party institution is responsible for the purchase after the purchase. Collect these debts.

When holding large amounts of overdue credit card accounts, banks may decide to reduce their own risk and workload by selling these debts to companies that specialize in collections and recovery. This type of transaction involves transferring the money owed to the buyer at a discount, and once the transfer is complete, the original creditor (such as a bank) is no longer responsible for the underlying debt.