Some lenders applied for e-loan, and were put into a small black house by China Merchants Bank, so they called e-loan a small black house. Generally speaking, being locked into a small black house by China Merchants Bank is a risk control system triggered by the lender, and it is temporarily impossible to handle temporary quota and installment business. After applying for credit products, they must be used scientifically and reasonably according to the requirements of lending institutions. Once the lender discovers that the lender has misappropriated the loan or engaged in other high-risk behaviors, the lender will take some measures to restrict the lender. Extended information: electricity loan 1. E-loan of China Merchants Bank is a short-term cash credit business for eligible credit card holders, with daily interest. 2. After the application is successful, the money will be transferred to the valid one-card account opened by the cardholder in China Merchants Bank or the debit card of other banks supported by China Merchants Bank (the account opening certificate must be the same as our credit card). 3. It shall not be used for investment in house purchase, stock and futures investment, and can only be used for decoration, household appliances, wedding, car purchase, student aid, tourism, medical care and other consumption. 4. "e-loan" has an independent bill, and the bill date is the same as that of personal credit card. The interest generated in each billing cycle will be included in the "circulating interest" of the current bill. Repayment should be made to the "e-loan" account separately. 5. lightning loan: no materials, no mortgage, online application, the fastest 30 seconds to complete the application; 6. Exclusive limit: independent e-loan account, exclusive cash limit, up to 30W, independent account, separate repayment; 7. The first evaluation process will call the PBC interface (which means that the credit report will be checked). If the process is successful, an account will be added, and the loan will be credited to a debit card at one time (supporting multiple banks); 8. Daily interest calculation: the daily interest rate is 0.05% (promotion period is 0.04%), and the e loan can be paid off at any time, which has no influence on personal account; 9. Flexible repayment: only the minimum repayment amount is required every month, and the minimum repayment amount is calculated according to 10% of the total amount owed on the billing date. Pocket Life Application Process: Log in to Pocket Life App and select a card. Pay "→e loan, and then you can try to apply, and the system will give the audit results in real time.