Personal credit loan refers to unsecured loan issued by the borrower's reputation. For example, Alipay Flower Garden, WeChat installment payment, etc. They are all credit loans without the applicant's guarantee. Then, what is the pass rate of users applying for personal credit loans? Good application? Take the Postal Savings Bank as an example. Let's have a look.

Is it easy to apply for postal personal credit loan?

Generally speaking, it is still relatively easy to apply. Postal bank credit loans include fast loans, postal loans and other products. Generally speaking, applicants can successfully apply as long as they meet the relevant application conditions. Take the ultra-fast loan as an example, the requirements for the applicant are as follows:

1 has been rated as a mail user. That is, in accordance with the relevant requirements for the construction of postal rural credit system, the customer has authorized the postal bank to collect basic information and complete the automatic scoring and rating of the system, with a score above 60 (including 60) and a rating above A (including A);

2. Mobile banking has been opened in the Postal Savings Bank, and functions such as transaction token or SMS verification service have been handled;

3. The age is between 18 years old (inclusive) and 60 years old (inclusive);

4. The personal credit report of the People's Bank of China shows that customer credit reporting is non-prohibited;

5. The business entity has no bad industrial and commercial information records such as administrative punishment and abnormal operation;

6. No high-risk behaviors such as gambling, drug abuse, pornography, triad involvement, and participation in usury;

7. It is not included in the money laundering risk monitoring list of the Postal Savings Bank, and does not involve money laundering or terrorist financing activities.

The above are some contents of personal credit loans of Postal Savings Bank, so you can pay attention to them.