All banks have relatively high entry barriers for personal credit loans, and the requirements for borrowers are basically the same. General borrowers must have a stable source of income and meet certain conditions, such as local government agencies, institutions or formal employees working in state-owned and state-controlled financial, electric power, telecommunications, petrochemical, tobacco, transportation and energy enterprises. Although the income of people in the intermediary service industry may be higher, the stability is obviously poor compared with the above-mentioned people, so the general banks do not accept customers in the intermediary service industry. But you can apply for a credit card, and the pass rate of applying for a credit card is much higher than that of applying for a credit loan.