CITIC Bank is one of the large state-owned banks in China, and Second Credit is one of the personal credit products launched by the bank. CITIC Bank has a good reputation, rich financial experience and professional risk control ability. The application process of the letter-second loan is standardized and the audit procedure is rigorous, which ensures the legality and safety of the loan. The second letter loan products provided by CITIC Bank have transparent interest rates and fees, so that borrowers can clearly understand the loan cost and repayment plan.