"E-loan" is a short-term cash credit business with daily interest provided by eligible cardholders. After the application is successful, the approved funds will be transferred to the debit card in the cardholder's own name. "e-loan" has an independent bill, and the date of the bill is the same as that of the personal card. The interest generated in each billing cycle will be summarized and included in the "circulating interest" of the current bill. Repayment needs to be made to the "e-loan" account separately. At present, the repayment channels supported are: pocket life, mobile banking and online banking.