Credit card arrears can be loaned as long as the following conditions are met: 1. Having a stable address and place of work or business; 2. The applicant is a Chinese mainland resident with full capacity for civil conduct, aged between 18-60; 3. Have a stable income and the ability to repay the loan principal and interest; 4. No bad credit record and no illegal behavior; 5. Loan funds cannot be used for stock trading, gambling and investment.

Legal objectivity:

Article 11 of the Interim Measures for Personal Loans The application for personal loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender. Article 12 The lender shall require the borrower to apply for a personal loan in writing, and require the borrower to provide relevant materials that can prove that it meets the loan conditions. Article 13 After accepting the borrower's loan application, the lender shall fulfill the obligation of due diligence, investigate and verify the authenticity, accuracy and completeness of the personal loan application content and related information, and form an investigation and evaluation opinion.