Doesn’t count. According to bank regulations, the loan bank requires a settlement certificate, and the credit card bill will not be counted if the bill is not issued. Bank loan refers to an economic behavior in which a bank lends funds to those in need of funds at a certain interest rate in accordance with national policies and agrees to return them within a time limit. Generally, you are required to provide a guarantee, a house mortgage, or proof of income, and have a good personal credit report before you can apply.