In fact, not all online loans require a credit card. It is most likely because you, the poster, are applying for a credit card loan. A credit card is proof of a person's financial strength and creditworthiness. Moreover, maintaining a credit card is the fastest and most effective way to repair it. No matter you have a white or black credit card, as long as you have a credit card, you can successfully repair your credit card through your own efforts. Households can increase the success rate of applying for a card by depositing time deposits, purchasing bank financial products, lowering their own requirements, etc. After improving their personal credit, they can apply for large bank loans.

When applying for a bank loan, you can make some optimizations in the work information and income information columns. For example, in the job position, ordinary employees can write team leaders, supervisors, etc., and remember to match the position with the year. Match the income and don’t over exaggerate; the longer the tenure, the better, preferably more than one year. Before applying for a loan, it is best to first understand your current credit situation on WeChat's "Zhongma Data" to see if you meet the conditions for applying for a loan, so as not to use online loan big data without knowing it.