Credit card substitution refers to financial transactions that transfer debts or profits to other private or commercial accounts through credit cards as a means of payment. In the credit card substitution transaction, the cardholder can directly transfer part or all of the credit card amount to his bank account, and then use the money to pay other debts or expenses.

The main advantage of credit card substitution is that cardholders can manage their debts and funds more conveniently. Taking credit card as a means of payment can not only avoid the trouble of cash payment, but also get extra returns through credit card rebate or double points. The disadvantage is that the interest and handling fee of credit card replacement are higher, and obvious costs need to be paid.

For credit card substitution, first you need to choose a reliable financial institution or a third-party trading platform. Secondly, you need to apply for the corresponding credit card limit. When using credit cards for substitute transactions, you must pay attention to payment security and avoid credit card fraud. Finally, for beginners, it is not recommended to try to replace risky transactions with credit cards, and it is recommended to carefully choose the operation mode according to their own economic situation and actual needs.