refers to the way that the cardholder chooses to entrust others (either individuals or some intermediary agencies) to repay on his behalf when the last repayment date of the credit card expires, when he can't repay in full for a while and the minimum repayment has to pay high interest.

after that, the cardholder will brush out the repayment amount in the form of credit card consumption and return the funds to the repayment helper.

The bank has a special credit card department, which is responsible for the risk safety of credit card use, including the credit line for you. Repayment by one person on behalf of many people means that the credit card department of the bank tests your credit card irregularly, with the purpose of reducing unnecessary contacts generated by the bank.

it is illegal for banks to cash out credit cards for a large part of repayment by one person on behalf of many people.

how to use credit cards correctly?

1. When a bank issues a card, it needs to activate the credit card before it can be used. To activate the credit card, you can directly dial the phone number on the credit card and then listen to the voice prompt to activate it.

2. After activation, you can shop and eat in the mall online. As long as the merchant has a pos machine, you can generally swipe your credit card.

3. You can shop online and swipe your card. Credit cards can be tied to Alipay, WeChat and other software for payment.

a credit card, also known as a debit card, is a credit certificate issued by a commercial bank or credit card company to a consumer with qualified credit. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

credit card consumption is a non-cash transaction payment method, and it is not necessary to pay cash when spending, and the repayment will be made on the Billing Date.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards with a certain credit limit within which the cardholder can spend first and then repay. Quasi-credit card means that the cardholder deposits a certain amount of reserve fund as required.