First of all, you need to register their account and submit your ID card, mobile phone number and other information for review. After passing the review, there will be an option to "borrow money and pay back credit card". After submission, the money will be disbursed to you soon. Credit card, and then you can repay it periodically to save money.

To put it simply, register and use Shanbei → submit the information for review → pay off the credit card in one go after passing → repay the loan in installments to Shanbei.