Proper credit manager is an APP with intelligent credit card management function. By analyzing the electronic bill of credit card and the personal financial situation of the cardholder, the application of credit card information management and intelligent automatic repayment of personal credit loan is realized. Generally speaking, the security is very good, because all the funds in the system are settled through the official operation of Minsheng Bank, and no third-party platform participates in the operation. The user of this system, Ford Life presented 1-30W fund policy. During the operation of the app, if there is financial loss and information leakage, the insurance company will make compensation.