1. Use credit cards more, enrich credit card consumption occasions, and don't just spend on fixed occasions.

2. Repay on time, don't be overdue. It is difficult to withdraw the amount after the deadline.

3. Use less installment or monthly minimum repayment. Too many installments will make the bank think that you don't have enough repayment ability.

4. Deposit a large sum of money in the bank account to prove your repayment ability.