Consumer lenders have long coveted credit cards, and now they have it.
Credit cards are licensed businesses, and consumer loan institutions are not qualified to issue cards and cannot issue cards directly. Instead, they are tied to second-class bank accounts and payment institutions to realize the credit card-based consumption of consumer loans. In the transaction process, users open the payment tool and can directly choose this option. Virtual card-like (consumer loan behind it) payment, endows the consumer loan with the attributes of some credit cards.
Consumer loans are becoming credit phone number list cards, which is not only a model change, but also represents the evolutionary direction of the industry in my opinion.