open vipshop APP on your mobile phone, log in to your personal account, and then click "My" at the bottom right of the homepage; Find "My Assets" in my interface and click to enter my assets page; Then find and click "only flowers" and select "open immediately".

Then, according to the page prompts, carefully fill in personal information, such as name, ID number and mobile phone number, and then click "Submit"; The interface shows that after the successful opening of Pinhua, you can see the entrance to borrow money, and click Enter; Apply as required and wait for system audit; After approval, the cash will be directly distributed to the bound bank card.