Subsequently, the various thresholds for credit card applicants were lowered, the minimum income requirement was cancelled, and the maximum overdraft limit was disregarded. Some local joint-stock commercial banks would dare to have anyone on the street apply for a credit card. This couldn't help but remind me of the scene before the US subprime crisis, when some mortgage loan financial institutions would solicit people on the street to take loans to buy houses. There was no standard for the issuance of POS machines, only developing merchants.