1. Having a credit card 51 Hour Loan is managed by 51 Credit Card Manager, and 51 Hour Loan requires "the user's electronic bill data" ” Therefore, applicants must have a credit card to raise the electronic bill required for the 51-hour loan. Note that the credit card electronic statement cannot have only one issue, otherwise the credit limit approval will not be approved. In other words, you only need to provide a "continuous electronic statement" of a credit card so that 51 Hours Loan can see your continuous spending power.
2. Real-name Taobao account 51-hour loan application also requires social relationship data, that is, you need to have a Taobao account and real-name authentication. Because the 51-hour loan system is automatically and intelligently reviewed, the borrower's risk will be determined based on the applicant's Taobao activities and whether the delivery address changes frequently.
3. Register as a 51 Credit Card user. 51 Hour Loan is managed by 51 Credit Card Manager, so applicants also need to register as a 51 Credit Card user. In addition, you must download the "51 Credit Card Manager" APP on your mobile phone and apply through the APP. The 51-hour loan has a very high limit, up to 100,000 yuan, and the expected annualized interest rate is determined based on the user's risk level and demand for funds.