The application process for the Bank of Ningbo Huitong Yi 100% Credit Card is:

1. Apply for the Huitong Yi 100% Credit Card at a nearby Bank of Ningbo branch.

2. After the funds are reviewed and the card is received, call 95574 or log in to the "Huitong Life" APP, fill in the relevant information and apply for withdrawal.

3. Repayment can be made through Ningbo Bank counters, online banking, third parties and other channels.