Customer: What conditions are required to apply?

Credit Manager: Required conditions: As long as you are between 22 and 60 years old, have a good credit record, and have a stable job locally, You can apply if you have a stable job income in the past 6 months, etc. (Details are explained based on different products of different companies)

Customer: How to apply?

Credit Manager: I’m sorry, sir/ma’am, because I don’t know much about your personal situation. , so I can’t tell at the moment. Can I just ask you a few questions?

v Do you work or run your own business? (If you work, should your monthly salary be paid by card or in cash? Is the monthly salary by card more than 2,500 yuan? If it is cash, Does your savings card have an income of more than 2,500 every month? Does your company have social security and provident funds?) (If you run your own business, has your business license been valid for one year? Are you a legal person or a shareholder? If you are a shareholder , does the proportion of shares in the capital verification report reach more than 20_? How much is the monthly deposit into the personal savings account in the past six months, and how much is the approximate monthly deposit into the company's public account?)

v I would like to ask you Have you ever taken out a credit card, mortgage loan, car loan, or other types of bank loans before? Are the repayments on time? Have you been overdue for more than 3 consecutive months? (Have the bank loans been overdue for more than 5 times in total? Have your credit cards been overdue for more than 10 times? How much is the bank responsible for currently?)

v Do you own the house you live in now or rent it? (If you own the house, is it fully owned or mortgaged? Yes, has the birth certificate been applied for? Is the birth certificate in my own name or in the name of my lover? (If it is a lease, is the lease contract still there? Do you pay the water and electricity bills yourself?)

Customer: What materials do I need to prepare if I want to apply?

Credit Manager: Required materials: Based on my understanding of your basic situation, you probably need XXXX materials. You only need copies of relevant materials. I will contact you later. The required relevant materials and our company's address will be sent to you in the form of text messages.

If you have any questions that you don’t understand when preparing the materials, you can come to me at any time and I will try my best to cooperate with you. This can save your time and allow you to prepare all the materials at one time.