Generally speaking, the ability to apply for a credit card proves that the cardholder has the ability to repay. In other words, the cardholder has the repayment ability when applying for a credit card, so it is not difficult to apply for a credit card while repaying the loan. But it still depends on other circumstances.
If you want to apply for a credit card, you need the borrower to have the repayment ability. In other words, there must be a stable and legitimate source of income and good credit. For people with loans, it is beneficial to handle long-term normal repayment by credit card. Normal loan repayment can accumulate some credit for yourself. When issuing credit cards, banks will check personal credit status. People with good credit have the opportunity to get higher credit cards and lower loan interest rates.
Ping An Bank's credit card application conditions are as follows:
1. Any natural person who has reached the age of 18 and is not more than 65 years old, has full capacity for civil conduct, has a stable and legal source of income, and has a good reputation, can apply to the card issuer for a personal credit card master card with his valid ID card and other documents required by the card issuer.
2. Personal card holders can apply for supplementary cards for other qualified natural persons. The cardholder of the main card shall take full responsibility for the debts incurred under the main card and the supplementary card. Supplementary card holders shall be jointly and severally liable for the debts incurred under the main card and supplementary card.
3. Enterprises, administrative institutions, social organizations, military units and economic organizations authorized by legal persons in People's Republic of China (PRC) can apply for credit card units with the basic deposit account account opening registration certificate approved by the People's Bank of China. The qualification of the cardholder of the unit card shall be designated and revoked in writing by the legal representative of the unit or its entrusted agent. Each unit can apply for multiple unit cards.