First of all, a credit card is not required for a loan.

According to your question, there should be a third-party organization that helps you get a loan and asks you for it. This is the material required to apply for the Personal Credit Report from the Credit Reference Center of the People's Bank of China. Use a credit card to authenticate it. Personal information.

UnionPay verification

1.1 Front and back of credit card - front card number + credit card expiry date + last three digits on the back

1.2 Debit card number + password

U Shield Online Banking Verification

Problem Verification - Your information records in the bank/This is easier to make verification errors

So basically the first option is chosen, the debit card. The password needs to be relatively sensitive, so a credit card is usually chosen. If you're worried, ask the third-party agency if it's for a credit report - anyone can check this on their own.