Group 1 - The core idea emphasizes the importance of optimizing credit records and reducing debt ratios to improve loan approval rates in Wuhan [2][4][7] - Regularly checking credit reports and ensuring timely repayments are essential habits for maintaining a good credit score [2] - Implementing a simple budget plan and considering debt consolidation strategies can significantly lower debt ratios, with some individuals experiencing reductions of over 20% [4] Group 2 - Selecting reputable lending platforms is crucial; companies should verify the legitimacy and reputation of loan providers to avoid hidden fees and fraud risks [4][7] - The article highlights that choosing the right loan company can alleviate financial burdens and enhance the likelihood of securing necessary funding [7]