If the credit card cannot be used for repayment, it means that it has been stolen. Report the case as soon as possible. \x0d\ Repayment Agency Business Process: The "Repayment Agency" company will use its own cash to repay the cardholder's debts first, so that the credit card will show normal repayment, and the cardholder's credit card can continue to be overdrawn. Subsequently, the corresponding amount of cash on the card will be "set" by means of false consumption such as swiping the \x0d\POS machine. \ x0d \ x0d \ Credit card holders have to pay a certain service fee, which is generally between 1%-2%. This is the biggest selling point of "Dai Huan". The larger the repayment amount, the longer the time and the lower the cost. For customers who entrust "card maintenance" for a long time, the cost is not more than 1%, which is lower than the interest paid by the minimum repayment amount and the cost of credit card withdrawal. \x0d\ In such a reversal, although the cardholder still owes money, he can enjoy a new interest-free period to solve the repayment pressure, and the "repayment agent" can earn a handling fee of 12%. \x0d\ It seems that "repayment on behalf of others" can be mutually beneficial and win-win, but there are more hidden dangers behind "repayment on behalf of others" with credit cards. On the one hand, credit card "repayment" is illegal; On the other hand, cardholders are very vulnerable to credit card theft. \x0d\\x0d\ Not long ago, it was reported that Mr. Zhang used his credit card to overdraw 6.5438+0 million yuan. Due to temporary cash flow difficulties, under the guidance of a friend, he completed the repayment of the month through a "repayment agent" company. 1 month later, the statement sent by the bank surprised him: the overdraft amount was as high as 27,000 yuan. He went to the company, and the other party took delaying tactics and finally ran away.