Useful. Huimin loan is a personal credit loan launched by Bank of Communications, which is mainly aimed at low-income wage earners. The maximum loan amount is 300,000 yuan and the loan period is 36 months. This is a personal consumption loan. Huimin loan application is completed online, and the approval speed is very fast. Black cats complain that Huimin loans are useful. Black Cat Complaint is a consumer service platform owned by Sina, through which users can complain about the irregular behavior of merchants, and there is also a list of corporate reputation to help consumers choose their consumption behavior.