1. The applicant's credit status is good and there is no bad credit record.

2. The credit card held by the applicant allows loans and the credit card usage record is good.

3. The loan application is not for investment, but for consumption, and the purpose of the loan meets the requirements.

4. The applicant has a proper job and a stable source of income, and has the ability to repay the loan.

5. Other conditions stipulated by the applicant bank.