When you apply for a loan at the bank, you don't need to apply for a credit card. Loans and credit cards are not bound. If the borrower prepares the materials, he can apply for a loan from the bank. After receiving the materials, the bank will examine them, sign a loan contract after passing the examination, then the borrower will go through the guarantee procedures, and then the bank will lend money.

After the loan application is successful, the lender only needs to repay the monthly payment on time every month, and the repayment method is usually transfer deduction. In other words, the lender puts his repayment amount into the loan card, and the bank or another lending institution will deduct the payment within the agreed repayment time. Only the lender applies for car purchase by installment with a credit card. For this kind of loan, the bank requires the lender to apply for a bank credit card.