The payment on behalf occurs because the bank system automatically recognizes it as payment on behalf of you, and it is because your credit card account has a balance in arrears or an insufficient balance. When you pay a bill using your own credit card, no payment occurs. , your credit card account has insufficient balance, and the bank system will automatically regard your repayment as payment on behalf of you. Payment on behalf of others refers to a method of payment by a third-party payment institution, which usually requires payment of additional fees. In order to avoid unnecessary fees and troubles, it is recommended to ensure that the credit card account has sufficient balance and credit limit before repayment to avoid payment.