First of all, when applying for a loan, the bank loan officer will ask you to apply for a credit card. This is a way of comprehensive business marketing for the bank, and it is also a means for the loan officer to complete performance tasks (such as credit card tasks). It won't have any bad impact on you, and besides, you can refuse.

Secondly, you need to sign for confirmation when applying for a credit card, and it can be used normally after activation. You also need to enter the payment password when paying. If the password is not leaked or the card is not activated, this will not affect the use of your funds. .

Thirdly, the basic information, ID card, and income certificate you provide to the bank are the basic requirements for applying for loans and bank credit cards. Bank staff are obliged to keep your confidentiality and shall not provide it to others or use it improperly. Otherwise, it will violate the professional ethics of bank employees or violate laws and regulations.

Finally, credit cards and bank loan repayment cards are two independent cards. Without your permission (that is, password input permission), the two cards cannot make any transfers, payments, etc. .

In summary, you can rest assured that as long as you keep your personal password and ID card, it will not be affected.