About this software, this software is legal, but it doesn't mean that I encourage you to use this software, because this software is essentially the software of credit card repayment business. Credit card loan business is not supported by banks, and even some banks may freeze users' accounts when returning credit cards, which will affect your credit card use.
You can understand it as a credit card repayment software.
At present, there are many institutional services and personal services about credit card repayment in the market, which can be understood as institutional services for credit card repayment. When you have a short-term cash flow shortage, you can repay your credit card through this software, and the software will also charge you a certain percentage of the handling fee. Strictly speaking, this service is not a formal service, so it is not recommended for everyone to use it.
All credit card repayment services are very dangerous.
There is a simple reason. All banks basically prohibit credit card repayment service, because when a user needs to use credit card repayment service, it means that there is a problem with the repayment ability of this user, and the bank will strictly control the user's risk control. If the bank finds that the user intends to use the credit card repayment service, it will reduce the user's usage quota and directly seal the card.
I suggest you control your consumption behavior and don't overdraw your credit card.
For users who consult the software, it is basically difficult to repay credit cards, and even the phenomenon of overdue credit cards may occur. If conditions permit, you can try to pay off the minimum repayment amount of the credit card first, and then change your consumption habits through reasonable consumption strategies. If you don't change your consumption habits from your life, credit cards will not make your life better, but will make your debt heavier and heavier.