Unreliable. Macau credit card agencies are unreliable. Credit card agencies can indeed help some less qualified customers apply for credit cards, but this behavior is suspected of being illegal. The China Banking and Insurance Regulatory Commission has regulations that outsourcing credit card business is strictly prohibited. Applying for a credit card must be handled by the customer in person, so it is unreliable. According to Article 7 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks": Credit cards refer to various media that record cardholder account information, have bank credit lines and overdraft functions, and provide cardholders with relevant banking services.