CCB's fast loan processing requires no more than ten credit cards, and the credit card utilization rate does not exceed 80%. The credit card application of CCB Express Loan also needs to consider the following conditions:

1. Personal debt of the applicant. If the debt is too high, the possibility of successful application is low.

2. Personal credit information of the applicant. Personal credit information needs to meet the conditions of CCB's fast loan.

3. Applicants need to provide certain financial certificates, such as bank accounts and real estate certificates.

The applicant needs a stable job and a certain income.