Right now, everyone from industry giants to startups are indeed paying attention to and entering this market. Previously, Weilidai and Ant Borrowing have launched credit card repayment functions, but they do not directly transfer money to users' credit cards, but to users' savings cards, and users can transfer the money to their credit cards for repayment. This model is actually closer to cash lending, because the specific purpose of borrowing is decided by the user. There is no special distinction in scenarios. The main advantage lies in the interest rate. However, although the giants have not paid much attention to the scene, their own traffic advantages are enough to pose a threat to a large wave of attacking startups. Currently, credit card reimbursement products on the market include Shengbei, Huanbei, Kakadai, Squirrel Finance, Baoyourepay, etc. Among them, "Bao Ni Huan" is a product of Baoyin consumer finance, a licensed financial institution, while the rest are mainly products of non-licensed institutions. The businesses of these companies are actually similar: on one end, they find their target users online or offline, and on the other end, they find relatively low-cost funds, such as banks, licensed consumer financial institutions and trust companies, etc., through lower fees than banks. Repayment costs to attract customers. The introductions of many credit card reimbursement platforms simply state that "the interest is an X discount on the credit card repayment interest rate", directly stealing bank customers.