1. Jiujiuhua Card is a credit loan product: Jiujiuhua Card is a loan product based on credit evaluation. Users can get a certain amount of credit loans by applying for a 99-flower card. Compared with mortgage loan, credit loan is relatively more flexible, and there is no need to provide collateral, which is convenient for users to obtain the required funds quickly.

2. Users can apply for credit line according to their own needs and spend: the credit line of long-term consumption card is determined according to the credit status of users and the evaluation results of lending institutions. Users can apply for appropriate quotas according to their actual needs and use the quotas for consumption, shopping or personal use. This personalized service can meet the needs of users and provide more flexibility and convenience.