Credit card agents do not need physical card pos machines. There are many channels for credit card repayment, such as WeChat, Alipay and other third-party platforms. Banks transfer money online and deposit cash in other people's credit cards, but only if you have someone else's credit card number (you don't have to return the physical card), otherwise you can't repay, and it depends on whether the third-party platform has any return restrictions or binding restrictions on your credit card.