Responsible Borrowing

• 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.

To borrow or not to borrow? Borrow only if you can repay!