Just because I did something unexpected by common standards, I get insulted and mocked, haha, as long as you are happy. Every bank has its own bad debt rate, and those large amounts are mostly related to a few upstream issues, not involving outsiders. It's hard to come by, those who casually mention A8 A9 packages, when they get their hands on them, there are hundreds or thousands of people, so be cautious. I’ve seen a big player use connections to collect all small bad debts from a certain bank, why dare to operate like this? Because those bad data have already been packaged by that bank, so once they need to renew the loan, they will give him risk control, making you find a guarantee company to sign a contract, and the guarantee company requires you to find a novice to guarantee it. In fact, this is a yin-yang contract; if you can’t repay in the end, that novice takes the blame, and the law supports this. I only deal with long-term real estate credit, and if the qualifications pass, generally, it's no problem to get 700. Not everyone can do it; if you’re a big spender or blacklisted, don’t ask, it’s not possible, but I can introduce someone. The data must first pass the system, and if they let you come, it's basically fine. Here, everything is covered for food, accommodation, and travel, usually operating in major cities like Shenzhen, Nanjing, Zhejiang, and Sichuan. Generally, results can be produced in 45 days, and the whole process is handled by that bank, which will usually conclude in about six months.