Do you mean the combination of provident fund loans and bank loans? If so, you only need to apply for a bank card. Online banking, mobile banking, short message financing (short message notification) and other services are not necessary. You can deal with it selectively according to your own needs. In order to enhance the value of customers, individual banks let customers handle the above-mentioned businesses. If you insist on not taking it, you can also apply for a portfolio loan.