You can apply for a loan if you have a credit card, but if you want to apply for a loan, you need to meet the bank's conditions.

Credit card can be used as a reference factor when applying for a loan because it reflects an individual's past credit history and repayment ability. However, when applying for a loan, banks pay more attention to whether the borrower meets the loan conditions, such as credit record, job stability, and ability to repay the loan. Therefore, although having a credit card can improve the creditworthiness of a loan application, other conditions must be met to successfully apply for a loan.