At present, most people like to spend money in advance, so borrowing flowers and using credit cards is slowly becoming popular, and young people who are deeply involved in it are hard to escape, spending money lavishly. If they find someone together, two people usually buy each other a gift, but they can't afford the credit card with their little salary, so they can only use the smart payment App mentioned above. As long as they spend a little handling fee, they can delay the repayment of credit cards, and they don't need to borrow extra money, even in theory.

Some people may have heard of similar credit card repayment before, but the previous one was to repay the App to borrow a sum of money from an online loan company, and then pay back the credit card, and then the user slowly paid back the money from these online loan companies. This kind of repayment is more troublesome and the interest is higher. Since many online loan companies quit and ran away, this method has gradually become unworkable.