Some branches of China Merchants Bank have launched "personal consumption credit loans", which can only be used for personal consumption purposes (including car purchase, decoration, education, bulk consumption shopping, tourism, etc. ), proof of use is required when applying. Because collateral is not needed, the audit is strict, and relevant materials (including use certificate, identity certificate, repayment certificate, etc.) need to be submitted. ) apply to the personal loan department of the local outlet, and it can only be determined after the comprehensive examination and approval of the outlet.