Yoki is a credit card management app, not a pyramid scheme. , users can bind their credit cards to this software, and there is no need to worry about security information being exposed. It is very safe. It will automatically remind you of the repayment date, or help you make automatic repayments. It has very complete functions. It cooperates with UnionPay and payment companies. UnionPay is a national institution, and the payment company is a transaction company that the country focuses on.