having a car loan does not affect the application for a credit card. As long as the repayment is in good condition and not overdue, you can apply for a credit card! Under normal circumstances, the bank will analyze and score the comprehensive qualifications of the applicant. The scoring criteria will include the applicant's security support score and economic support score. Among them, the score of economic support includes the monthly debt repayment, and the higher the monthly debt, the lower the score; The score of security support category includes the score of the right to live in a car, and the score of private car purchase is high, but the opposite is low. Therefore, the scores of the two factors can basically offset each other, and the simple debt does not affect the credit card application.

In addition, car loan, as a bank loan business, is closely related to credit card business. When applying for a car loan, the bank will strictly examine the qualifications of the applicant, and at the same time, the house purchased as a loan mortgage is more secure. In the bank's view, the applicant who has had a car loan has been proved to have financial status and collateral. Therefore, it is easier to obtain a bank approval card, and even the credit card limit is higher.

If you already have a car loan in ICBC, you'd better submit proof of work and income when applying for a credit card, and the bank will verify your relevant information again before deciding whether to approve the card.