What do you mean by offline credit and online use?

Offline credit and online use refer to two concepts in the field of financial services.

1. Offline credit means that banks or other financial institutions evaluate and credit customers' credit status, repayment ability and asset status through traditional interviews, audits and surveys. Customers need to go to banks or financial institutions in person for interviews and submit relevant information and supporting documents. After the bank or financial institution has passed the examination, it will give customers a certain credit line.

2. Online use means that customers can use financial services through the Internet, mobile App and other channels, such as online shopping, transfer, payment and investment. Customers can use financial services anytime and anywhere through electronic devices, which is convenient and fast.