Nowadays, people's consumption habits have changed greatly, and more and more people habitually use credit cards to pay when spending again. Many card friends have encountered the situation that funds are tight and repayment is difficult after using credit cards.

In order to help credit card users solve the repayment problem, there are many credit card repayment products on the market, which are very popular among young people. So what conditions do you need to meet to apply for a loan, and is it easy to pass?

Huanbai is a software that provides repayment service for credit card users. Its essence is a personal credit loan product. Different from ordinary credit products, the loan purpose of Huanbai is limited to repaying credit cards, so the loan conditions of Huanbai are also related to credit cards.

In order to apply for a loan in return, users need to meet the following conditions:

1. The borrower must be at least 18 years old, be a legal citizen of China and have full capacity for civil conduct;

2. The borrower's personal credit status is good;

3. The borrower needs a credit card with a bill for more than 6 months.

Users who meet the above conditions can download the repayment APP in the mobile app store, then register as repayment users and apply for loans according to the page upgrade operation. When borrowing money, users also need to provide information such as ID card, mobile phone number and credit card.

At present, the maximum loan amount supported by repayment is 50,000 yuan, and the loan period has three options: 3/6/ 12 installments. The borrower can choose the installment period that suits him according to his own situation.

After the borrower submits the loan application, the repayment system will comprehensively evaluate the information submitted by the borrower and the borrower's personal credit. When the evaluation results meet the repayment conditions, the repayment system will lend money to the user.

Generally speaking, only the information provided by the borrower when applying for a loan is complete and correct, and the personal credit status is good, then the loan is relatively easy to pass.

However, if the borrower's credit is tainted and the comprehensive credit fails to meet the repayment requirements, then the loan may be rejected. Therefore, whether it is easy to pass depends mainly on the personal conditions of the borrower.