It doesn't exist. It is not illegal to repay on behalf of others. However, the credit card pad also involves repayment, which is brushed out in the form of cash. \x0d\ Credit card pad, also known as credit card repayment, generally means that credit card users can't pay off all the money in the current month and want to repay in full to get interest-free or points. Or the user is unable to repay, and delays the repayment time by paying the prepayment fee every month. \x0d\ The specific process of credit card repayment is: the payer takes your credit card and goes to the repayment bank first. Wait about ten minutes after paying back the money, and then cash out all the money just paid back on his POS machine. The credit card holder pays the handling fee (65438+ 0%-3% of the repayment amount) to the repayment agent, and the bank determines that the credit card practitioners have fully repaid and spent. Interest-free and send the next bill \x0d\ Due to bank regulations, the credit card cannot be delayed for one day. Otherwise, it is expected that late fees and interest will be charged. You can't just pay interest, you must also pay the minimum repayment amount, otherwise it will be overdue and there will be phone calls from bank personnel. When credit card users can't pay the minimum repayment amount in a short time, or can pay the minimum repayment amount, but don't want to pay high interest, they will generally choose credit card repayment.