1. Repayment bank card: The bank requires the lender to provide someone else's bank card to transfer the repayment amount to the bank card. The purpose of this is to ensure the smooth repayment channels of loans and facilitate the repayment of loans.

2. Bank card as guarantee: the bank requires the lender to provide other people's bank cards as guarantee to ensure the safety and reliability of the loan. If the lender fails to repay the loan on time, the bank can make up for the loss by deducting the funds in the guarantor's bank card.

3. Borrower's lack of credit: The bank requires the borrower to provide someone else's bank card as a supplementary guarantee measure for the borrower's lack of credit. The purpose of this is to ensure the safety and reliability of the loan.