You can apply for a debit card even if you have credit card debt. But you need to pay attention to the following points:

First of all, a savings card is a different account type from a credit card, and it does not involve credit limits and borrowing functions. Therefore, even if there is a credit card debt, it will not have a direct impact on applying for a debit card.

Secondly, applying for a debit card requires meeting the card opening conditions of the relevant bank. It usually includes conditions such as being over 18 years old, holding a valid identity document and meeting bank requirements for fund deposits. Credit card debt will not be a prohibitive condition for applying for a debit card.

However, during the bank review process, an individual's credit status will be reviewed, including a credit report inquiry. If there are serious overdue records or arrears in your credit report, it may have an impact on the card opening result. However, specific banks may have different attitudes and requirements regarding credit status.

In short, even if you have a credit card debt, you can still apply for a debit card. However, you need to pay attention to the conditions for opening a debit card and the bank's handling of credit status. It is recommended to understand the specific requirements of the bank in advance, choose a card application channel that suits your own situation, and actively improve your credit record for future financial service applications.

Extended information:

A credit card is a pre-borrowed fund limit provided by the bank to the cardholder. The cardholder can consume within the limit according to the consumption needs, and can pay in installments or in full. repayment amount. A savings card is a deposit account that can be used for deposits, withdrawals, transfers, payments, etc., but does not have a credit limit or borrowing function.

When applying for a debit card, banks will generally conduct an evaluation based on the individual's credit status to ensure security and risk control. However, credit card debt will not directly affect the debit card application process. Because a debit card does not involve borrowing or lending, it is only related to your deposits and transfers.

It should be noted that credit card debt may have a negative impact on an individual's credit history. Credit record is one of the basis for financial institutions to evaluate personal credit status. If there are serious overdue records or arrears in your credit report, it may have an impact on future applications for loans, credit cards and other financial services.

Therefore, even if you can apply for a debit card, it is recommended to pay off your credit card debt in a timely manner and actively improve your personal credit record for future financial service applications. At the same time, if you need to apply for other financial products, such as loans or credit cards, you must also pay attention to the credit review standards of each financial institution, sort out your personal financial situation in a timely manner, and apply based on the actual situation.