It is very convenient to use. Sometimes when I travel abroad and buy it at buy buy, my credit card is accidentally maxed out. This month's salary is not enough to pay off the credit card bill and I don't want to borrow money from others. Too much trouble. Generally, I just borrow money from payback to pay off my credit card bill, and then pay it back after I get paid next month. The bill can be divided into 3/6/ 12 installments, with low interest and long repayment time.