Ensure the security of user funds and improve borrowing efficiency.

1. Ensure the security of user funds: The credit card number is an important part of the payment verification code. By entering the credit card number, you can ensure the security of funds during the borrowing process.

2. Improve borrowing efficiency: Entering the credit card number can help the platform quickly verify the user's identity and repayment ability, and improve the efficiency and accuracy of loan review.