As long as you have a credit card and a good credit record, you can apply for a loan. In fact, you can't just apply for a loan with a credit card. However, borrowers can also apply for loans in other ways.

Loans generally need a stable source of income to be processed, but they also need to look at the specific requirements of banks. It is suggested that you can go to a regular lending institution for detailed inquiry. Application conditions: 1,1Chinese mainland residents over 8 years old; 2. Have a stable address and work or business place; 3. Have a stable source of income; 4. Without a bad credit record, the loan cannot be used for stock trading or gambling. 5. Other conditions required by the bank. Processing flow: 1. Submit an application to a local bank or lending institution; 2. Prepare various materials required for the loan; 3. Face-to-face signing of banks or lending institutions; 4. The bank examines the qualifications of the lender; 5. Approved and successful loans.

Do you have a credit card for a loan?

Credit cards can be loaned without bad credit information such as overdue credit cards.

According to Article 11 of the Interim Measures for the Administration of Personal Loans, applying for personal loans shall meet the following conditions:

(a) the borrower is a citizen of People's Republic of China (PRC) with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

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

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.

Extended data:

Interim Measures for the Administration of Personal Loans Article 23 A lender shall sign a written loan contract with the borrower, and if a guarantee is needed, a guarantee contract shall be signed at the same time. The lender shall require the borrower to sign the loan contract and other relevant documents in person, except for loans handled through electronic banking channels.

Article 24 A loan contract shall conform to the provisions of the Contract Law of People's Republic of China (PRC), and clearly stipulate the commitment of good faith, the purpose of loan funds, the object (scope) of payment, the amount of payment, the terms and methods of payment of all parties. The loan contract should be set with relevant clauses to clarify the liabilities for breach of contract that the borrower should bear when it fails to perform or slowly performs the contract.