If you have a smart card of China Merchants Bank, you can log in to the mobile banking, click My-All-Loan-I want a loan, and try to check whether you are qualified to apply for a "lightning loan" through this interface. If so, you can try to apply. Note: China Merchants Bank cannot apply for extending the deduction time of personal loans. If the repayment is not made in full and on time on the "deduction date", overdue records will be generated, which will be uniformly recorded by the central bank to the credit information system.