In the credit card lending platform or bank credit card business, new users or first-time borrowers can enjoy certain discounts. Users can get a certain discount when they borrow for the first time on the platform or bank, usually the loan amount is less than 50 yuan. In other words, the amount that users need to repay when borrowing money will be less than the actual borrowing amount by 50 yuan, and this part of the discount will be borne by the platform or the bank.