The impact of the epidemic and risk control are serious. The risk control of Huabei, Jiebei and credit cards has become more stringent, and de-rating issues have occurred frequently, with quotas being cleared and unusable. Alipay and credit cards have proactively taken risk control and de-rating measures due to the impact of the epidemic. A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit.