As a person who is using U to enjoy smart repayment in the mall, my answer is true and quite reliable. I started using it last year 1 1 month, and I used it every month. Seven or eight credit cards are almost empty. I used to brush it back and forth with a pos machine, and I had to brush it dozens of times a month, which made my head big. I don't have to worry about using this smart repayment. At least I don't have to brush the pos machine back and forth. Just create the bill and wait for it to be implemented. If you are not at ease, you can check it with the credit card bill. If you don't know what you haven't used, you may feel unreliable. Now, it's good to be alive. If you can earn money and pay it back, you don't have to. If you have no money, it is still good to use this smart generation.