a credit card bill loan is a personal credit loan without collateral. Credit card bill loan application conditions are: generally speaking, it is a high-quality cardholder of the bank. Among them, CCB is only limited to the application of the main cardholders of Dragon Card (except business card); The requirement of China Merchants Bank is that the applicant must hold the main card and all-in-one card of the bank's credit card and keep a good record of using the card; Industrial Bank is the main cardholder who normally uses the card with good credit status and normal card status; The requirement of Minsheng Bank is to introduce high-quality cardholders who have held cards for a certain period of time; CITIC Bank also requires high-quality cardholders.