The reason why Ping An Bank's credit cards need to be audited in stages is to protect the interests of both banks and customers. Specifically, the audit link can effectively avoid credit card fraud, overdraft and other risks, while ensuring customers' repayment ability and avoiding excessive debt.

The basic steps of audit include: collecting customer data, evaluating data, checking customer credit records, calculating customer repayment ability, etc. The bank will decide whether to approve the installment application of the customer according to the customer's credit rating and repayment ability.

In practice, customers need to provide their own personal information, proof of income, professional information, proof of assets, etc. It should be noted that customers should fill in the information truthfully when filling in the application form, otherwise it will have a negative impact on the approval results. Once the application is approved, the customer can make repayment according to the installment agreement.

For example, when Xiao Wang applies for buying a mobile phone by installment, he needs to review his credit history and repayment ability. After the bank approves, Xiao Wang will sign an installment agreement to repay the loan.