If you need a loan, you can apply for a loan through China Merchants Bank with a CMB card. There is no prophase. If you are already a user of China Merchants Bank and have downloaded China Merchants Bank's mobile banking, you can try to log in to mobile banking. My-all-loans-I want loans.

Or borrow money by credit card; Log in to Pocket Life and click "Card Finance"-"I want to borrow money" below, subject to the audit results.

Non-CMB cards (areas without CMB) can try to apply for "e-loan". Need to download the life operation of China Merchants Bank, conduct online audit, and lend money in 5 minutes at the earliest.