You don't have to apply for a bank credit card to get a bank loan. \x0d\ According to the current situation, you don't need to apply for a credit card from this bank for general loans. After the loan application is successful, the lender only needs to repay the monthly payment on time every month. The way to repay the loan is generally transfer and deduction. In other words, the bank or another lending institution will deduct the money within the agreed repayment time. Only the lender applies for a credit card to buy a car in installments. For this kind of loan, the bank is required. \x0d\ When handling mortgage loan or mortgage loan in the bank, the lending bank will have a series of bundled sales behaviors, requiring you to handle a credit card, and both the loan account and repayment account should be opened in the lending bank, which is a promotion strategy after the bank's tasks are linked. \x0d\ can refuse the bank's card application. If the bank insists on coercing customers to apply for a card, it can complain to the local banking supervision department.

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.

For more information about getting a loan without a credit card, please visit: See More.

Can I get a loan without a credit card?

You can apply for a loan without a credit card. Whether you can apply for a loan does not depend on whether the customer holds a credit card, as long as the customer has good personal credit, a stable and legal source of economic income and the ability to repay the principal and interest of the loan on time.

If the customer's credit is not good, there are bad records in the credit report; Or the income is unstable, there is not enough repayment ability, and it is difficult to get a loan with or without a credit card.

We also need to note that if a customer has never applied for a credit card or loan, as a white credit user, the first loan application may be more rigorous, so it is better for the customer to prepare more personal income, assets, financial resources and other information for the handling bank (lending institution/platform) to prove its good credit.

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What does the white tiger mean?

White households refer to those who have dealt with banks, have a record of applying for loans or credit cards at banks, and finally failed to apply for a card, and have applied for it for more than half a year.

Pure white households refer to those who have never dealt with banks, applied for credit cards and bank loans, and have no personal credit, like many college students or newly graduated office workers.

Pure white households and white households are groups without bank credit records, and these people will have difficulties in handling loans or applying for credit cards.