Can I get a loan with Everbright Credit Card?

Yes.

The "Interim Measures for the Management of Personal Loans" has corresponding provisions:

Article 11 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 loan application amount, term and currency are reasonable;

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

(5) The borrower’s credit status is good and there are no major bad debts Credit record;

(6) Other conditions required by the lender.

Extended information:

Relevant legal provisions of the "Interim Measures for the Management of Personal Loans":

Article 20 Lenders should improve authorization management based on the principle of prudence system, standardize the approval operation process, clarify the loan approval authority, implement the separation of loan approval and authorized approval, and ensure that loan approval personnel independently approve loans in accordance with authorization.

Lenders should distinguish the types, objects, amounts, etc. of personal loans, and determine the corresponding methods, content, and frequency of loan inspections. The lender's internal audit and other departments should conduct spot checks and evaluate the work quality of the loan inspection functional departments.

Article 21 The bank card application form, receipt and contract are contractual documents provided by the card-issuing bank to the bank cardholder that clarify the rights and responsibilities of both parties. The cardholder's signature indicates acceptance of each of them. agreement. Card-issuing banks shall formulate bank card application forms and credit card use contracts based on the principle of reciprocity of rights and obligations.