No, your credit report is required to apply for a loan. Counter application process:

1. Go to the bank branch where the credit card is processed, or find the staff at the local bank's credit card center and fill out the credit card application form. The content of the application form generally includes the applicant's name, basic information, financial status or source of income, guarantor and his/her basic information, etc.;

2. Submit certain copies of certificates and certificates to the card issuing bank. ;

3. After filling in the application form truthfully, you must submit the relevant credit certificate together with the completed application form;

4. The application form is accompanied by a credit card. For the contract, the applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have his or her signature;

5. Credit card application process Basically completed, waiting for the credit card to be issued.