You can get a loan if you have a credit card debt. The premise depends on the amount of debt owed, whether it is often overdue, and whether there is a credit report for overdue loans. If the debt is small and there are no overdue loans and normal consumption and repayment, you can get a loan.

You can get a loan if you have a credit card debt, as long as you meet the following conditions:

1. Have a stable address and work or business location;

2. The applicant is a resident of mainland China, has full capacity for civil conduct, and is between 18 and 60 years old;

3. Has a stable income and the ability to repay the principal and interest of the loan;

4. No bad credit record, no illegal behavior;

5. Loan funds cannot be used for stock trading, gambling, or investment.

Bank loans mainly look at the following two aspects:

1. The bank considers your repayment ability

The bank mainly examines your financial strength and repayment ability. As long as your credit card is in normal use and has no overdue or bad credit records, it will not affect your loan application. The bank will comprehensively consider whether to lend and the loan amount based on individual circumstances. But if every card in your hand is seriously overdrawn, the bank will question your ability to repay.

2. My credit record

If you have a debt on your credit card and have a bad credit record due to overdue repayment of the credit card, don’t rush to cancel the card. Canceling a credit card will not eliminate bad credit history. It is recommended to pay off the debt immediately to avoid interest compounding. For credit card bills with large amounts that cannot be paid off at once, it is more cost-effective to repay them in installments to avoid overdue credit cards.

Legal basis:

Article 11 of the "Interim Measures for Personal Loans"

Personal loan applications should meet the following conditions:

( 1) The borrower is a citizen of the People's Republic of China with full capacity for civil conduct or an overseas natural person who complies with relevant national regulations;

(2) The purpose of the loan is clear and legal;

( 3) The amount, term and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower has good credit status and no Major bad credit record;

(6) Other conditions required by the lender.

Article 12 of the "Interim Measures for Personal Loans"

Lenders should require borrowers to submit personal loan applications in writing and require borrowers to provide evidence that they meet the loan conditions. Related information.

Article 13 of the "Interim Measures for Personal Loans"

After accepting the borrower's loan application, the lender shall perform due diligence responsibilities and verify the authenticity of the content of the personal loan application and related circumstances. Conduct investigation and verification on accuracy and completeness to form investigation and evaluation opinions.