Credit card agency still means that a third party agency helps the overdraft user to repay the loan, and deducts the owed repayment from the user's account, which is also commonly called credit card withholding or repayment procedure. This service is aimed at those users who can't pay off their credit card bills in time, which can avoid the decline of credit score caused by default, and also reduce the economic pressure of users.

Credit card repayment service is mainly provided by online payment institutions or individuals. These institutions usually charge a certain service fee, and the specific charging standard depends on different institutions. Users can apply through the mobile terminal of the bank or online banking, and generally need to provide personal information, credit card account number and other information. Once the service provider repays the credit card debt for the user, the user can make repayment according to the agreed period and pay the corresponding repayment service fee.

Although credit card agency still has certain convenience and advantages, it should be noted that the reputation and qualification of the agency are also very important. Some fake credit card repayment service providers may cheat users' funds and even steal users' personal information. Therefore, when choosing a credit card agency, users should choose a formal and legal service provider, and can ensure the credit and security of the agency through authentication and other means.