- Be responsible and handle personal loan products properly. You should commit to repaying after borrowing.
- Repay the loan (or for card products, outstanding balance of retail purchase and/or cash advances) on time to avoid late payment charges and additional overdue interest charged by banks.
- Before applying for any loans, you should have a clear understanding of your financial condition, daily expenses and actual borrowing needs. You should also assess your repayment ability and avoid over-borrowing.
- Understand the terms clearly before committing to a loan.