in recent years, with the innovation and growth of the financial sector, network lending has become a new form of credit, and lending as a representative platform has received attention and attention from a wide range of users. however, a number of users have indicated that, when using a loan, payment can only be made by using a bank card. for users holding other bank cards, there is a certain inconvenience in using it. this paper will be analysed from multiple perspectives。

you can only borrow it with a work card

i. can i borrow only a work card

first, it needs to be made clear that the lending platform does not restrict users from using which bank card to repay, i.e., it does not specify the type of bank card to repay when the platform is engaged in lending or borrowing operations. however, as a result of the cooperation agreement reached with the bank of commerce and industry, the platform recommends to users that the bank of commerce and industry bank card be used for repayment, which is not in fact mandatory, but is a form of promotion。

II. Advantages of using business bank cards for repayment

SECOND, FROM THE POINT OF VIEW OF THE ACTUAL USE OF A USER, THE USE OF A BUSINESS BANK CARD FOR REPAYMENT DOES HAVE A CORRESPONDING ADVANTAGE. FIRST, THE BANK OF COMMERCE AND INDUSTRY IS ONE OF THE FOUR LARGEST BANKS IN THE COUNTRY. IT HAS A LARGE CLIENT BASE AND A WELL-DEVELOPED SERVICE SYSTEM, AND IT IS MORE SECURE TO PAY OFF ITS BANK CARDS. SECOND, BUSINESS BANKS ALSO OFTEN WORK WITH FINANCING PLATFORMS TO PROMOTE PREFERENTIAL POLICIES, SUCH AS RETURN, INTEREST-FREE TREATMENT AND THE LIKE, WHICH IS A GOOD OPTION FOR USING THEIR BANK CARDS FOR REPAYMENT. IN ADDITION, THE APP INTERFACE OF THE TRADE UNIONS IS WELL USED AND IS EASILY USED。

III. Attention to the use of other bank cards for repayment

of course, while lending does not impose restrictions on the type of bank card used by the user, there is some caution when other bank cards are used to repay the money. first, users need to ensure that their bank card balances are adequate and that failure to pay back adversely affects personal calls. second, users also need to confirm whether their bank cards support cross-line payments, otherwise they cannot be repaid. in addition, as the financing platform does not form a cooperative relationship with other banks, it is not able to obtain equivalent discounts, such as when using other bank cards for repayment。

in the light of the above, lending e does not require that the user can only repay by using a business bank card, but from time to time recommends to the user the use of a business bank card and provides more preferential policies to users who cooperate with it. it is also possible, however, to use other bank cards for repayment, and it is essential that the users themselves take due care to do so。