Banks do not need to provide bank cards to handle credit cards. According to relevant public inquiries, credit cards and savings cards belong to different account types, and credit cards do not need to be bound with savings cards. When handling a credit card, the bank will evaluate the applicant's credit status and income. If it meets the requirements of the bank, it can pass the examination and issue a credit card. At the same time, when issuing credit cards, banks will also require applicants to provide personal identification, proof of income and other information to ensure the safe use of credit cards.