Advanced repayment of a credit card (debit card) actually means that the cardholder himself cannot pay the repayment and asks someone else or an intermediary to help him repay it on his behalf. The cardholder's credit card (debit card) goes to the POS machine to swipe out the entire amount that has just been repaid, and the swiped-out transaction will be included in the next bill, which is equivalent to controlling the cardholder's overdraft debt. The payment was deferred for one period.

Cardholders may also need to pay a handling fee of about 1% to 3% to the repayer. Of course, this approach is not recommended, because the act of withdrawing money is actually withdrawing cash, and withdrawing cash is illegal.