Yes.

You can register in Shengbei without a credit card, so you can also apply for a quota. You only need to fill in the information and pass it, and you will have a quota. But if you don’t have a credit card, Shengbei will give you the quota. You can't use it either. However, you can also choose to apply for a credit limit first, so that you can use it directly when you have a credit card and pay it off later.

Extended information

Shengbei is the third repayment method for credit cards besides "bill installment" and "minimum payment amount repayment"; it can be approved in half an hour at the fastest. In addition to the credit card limit, users can add a Shengbei limit. The Shengbei limit can be used to repay credit card bills. The interest rate is 40% off the minimum credit card repayment amount interest rate (18.25% annualized).

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