It’s very easy to use. You must spend reasonably and repay on time to avoid overdue payments.

The bank considers the applicant’s job nature and repayment ability.

1. Applicants should be between 18 and 60 years old;

2. Have certain financial ability and good credit record;

3. Original ID card and Copies;

4. Proof of work and income (these must be stamped by the employer);

5. Those with non-local household registration also need to provide proof of residence.

Consequences of overdue:

1. Bear high penalty interest;

2. Cause legal disputes;

3. In the country Leaving "credit stains" in the credit reporting system.