The loan interest and handling fee of Xiaoying Card are relatively high, with the monthly interest rate of 0.46%-0.67%, the service fee of1.1%-kloc-0/.23% and the handling fee of 2%. Therefore, its comprehensive annualized rate may exceed 36%. According to China's laws, products with annual interest rate exceeding 36% are regarded as usury. However, compared with the standard annual interest rate of usury of 36% stipulated by law, the interest rate of small win card loan is not usury. Xiaoying Card Loan is a micro-credit service platform under Xiaoying Technology, a company listed on NYSE, which mainly provides financial services, including credit card balance compensation and short-term capital demand solutions. Xiaoying Card Loan aims to help individuals, self-employed individuals and small and micro enterprises solve their financial problems through cooperation with banks and other financial institutions. At the same time, Xiaoying Card Loan also provides a convenient and fast loan application process and a transparent interest rate policy. The maximum loan amount can reach 200,000, providing various repayment methods to meet different repayment needs.