That's not true. The loan is pure cash, which means that the amount can be withdrawn at any time. Speaking of bank cards, they can be used not only for credit card spending, but also for decoration, medical care, education and so on, as long as they meet the regulations of banks and the state.

The quota of some loan products is divided into cash quota and consumption quota, so the cash quota can be withdrawn, and the consumption quota can only be used in designated places, such as financial malls.

Commercial loans are divided into personal commercial loans and corporate loans, and their loan conditions are different. This paper mainly introduces the requirements of personal business loans: users need to be over 18 years old, and applicants must be operators, business owners or partners. The lender has a fixed residence. Projects operated by lenders to create stable income. The lender has a certain ability to repay the principal and interest. The lender's personal credit information is good. Meet the above basic conditions, individual users can try to apply for operating loans from banks, and whether they can pass the audit will be subject to the audit results.