You can apply for a loan with an industrial and commercial credit card. If a user directly applies for cash installment or cash withdrawal, it is equivalent to applying for a loan. Or use a credit card to apply for credit card-related loan products. The loan limit and credit card credit limit of this loan product are not exclusive and independent of each other, but the credit card cannot be applied for if it has a record of overdue repayment.

In addition, users with poor credit scores cannot apply for credit card loan products because banks are unwilling to lend money to users who are not willing to repay or have insufficient repayment ability.