As long as the credit is not overdue, the cancellation of the credit card will not affect the loan application.

A borrower applying for a loan may:

1. Has a permanent residence in China.

2. Have a fixed residence in the local town and have full capacity for civil conduct.

3. China citizens aged between 18 and 65 shall present valid identity documents.

4. ID card, household registration book and proof of marital status of the applicant and spouse, etc.

5. Proof of income of the applicant and his spouse.

6. Relevant certificates of loan use

7. Other relevant information required by the bank.