Personally, I think it's good to attract investment, because having that handheld APP is a handheld life, and I don't need a savings card to repay directly. I don't have an APP for transportation, but a savings card. Repayment can only be made through that savings card, which is more troublesome, so it is better to attract investment. . Is it difficult to apply online? Why not find someone who specializes in credit cards?