The audit link mainly includes two procedures: electronic audit and manual audit. First of all, the electronic audit will evaluate the integrity of the information in the application form, and then judge whether the applicant meets the hard conditions such as income and age according to the personal information on the application form, and will automatically query the applicant's credit information as a certain reference. After the electronic audit is passed, the manual audit mainly checks whether there are any omissions in the application form, whether the signature meets the requirements and whether the ID card is clear. Secondly, it will review the submission channels of the application form to determine whether the information in the application form is true. When the user's qualification meets the requirements, the initial process of credit card approval is passed.