Not all loans require users to have a credit card (debit card) when applying. For example, for a mortgage, there is no requirement in the application conditions that the applicant must be a credit card (debit card) user. When users apply for credit card (debit card) customer-specific loan service, they need to have a credit card (debit card), and other loans can be applied without a credit card (debit card).

Of course, users with credit cards (debit cards) will not give them away for nothing, and banks can better evaluate users' credit information.

Do I have to use a credit card for a credit loan?

Now many friends want to borrow money from banks because of financial problems, but most banks need mortgages, and credit loans don't need mortgages. Do you need a credit card for a credit loan?

1. Credit loans don't have to be applied by credit card. Although credit cards will provide related credit loan services to high-quality credit card customers, users without credit cards can also apply for credit loan products independently launched by banks.

2. Users without credit cards can try to apply for credit loans as long as they have good credit, stable income and the ability to repay the principal and interest.

3. Whether the user has a credit card or not, the application for credit loan needs to pass the system audit, and it is useless to have a credit card that fails the audit.

To sum up, we know that credit loans do not necessarily require credit cards, and we can go to the bank for consultation.

Can I get a loan without a credit card?

Credit card is not a necessary condition for loan. As long as you meet the loan conditions, you can apply for a loan. Unless, of course, you need a credit card. The basic conditions for applying for a loan are as follows:

1, the identity is legal and valid.

2. At least 18 years old, and the age plus loan period shall not exceed 70 years old.

3. Have the ability to repay the loan principal and interest on time.

4. Abide by the law, be honest and trustworthy, and have no illegal acts. At present, there are no criminal cases or civil cases against them.

5. The credit is good, the loans and credit cards under the names of customers and their spouses are not overdue at present, and the credit records meet the product access requirements.

Those who meet the application conditions can apply to the bank.