Credit card wisdom must also check the payment channel. If the channel is unstable, the card will be blocked and the limit will be reduced, which will leak information. This Easy Smart should be just a piece of software, and it is just one of hundreds of APPs, large and small. At present, although there are no laws and regulations, this kind of software is effective in easing the pressure on card users and reducing the burden on banks. However, you have to check whether the payment company behind it is formal and whether it has a payment license issued by the central bank. Currently, only 61 third-party payment companies have formal licenses, and one payment company currently has its own independent payment software. Others cooperate with software, and some software is simply OEM. The security risks are self-evident. During this period, due to the high debt ratio, there are too many such software. I have also screened a lot of software, but currently most of the software can be missed, and few are truly safe. This is a long-term thing and must be screened carefully.