1. Legal citizens, applicants need to provide personal ID cards.

2. The applicant must have stable and legal income, provide corresponding proof of work income, and must have a certain ability to repay.

3. The applicant has at least one credit card. The higher the bound limit and the more frequently used the credit card is, the higher the probability of passing the application.

4. The applicant’s mobile phone number for real-name authentication.

5. The applicant has a good credit record and no bad credit record.