First of all, we must determine the conditions for applying for a loan. Lenders should have good personal credit information and stable income to pay their own loans. If these conditions are met, loans can generally be made. As it happens, these conditions are also needed to apply for a credit card. Both are necessary and sufficient conditions.

So with a credit card, you can usually get a loan. Let's know what a credit card loan is. Credit card loan refers to the overdraft function granted by the bank to cardholders within a certain amount, which transforms the consumer loan function of credit card into unsecured micro-loan, which is actually a credit card lending business. After the credit card application is approved, the bank will transfer part or all of the amount in the credit card to the debit card and repay it according to the repayment period agreed with the bank before.

Extended data

At present, credit card application for loans is not particularly strict. As long as the personal credit record is good, you can generally apply for a loan with a credit card. The specific loan amount will vary according to the personal financial information submitted when you apply for a credit card. Generally, about 5000 ~ 20000 yuan can be used for loans.

Finally, we should pay attention to the repayment after the credit card loan, that is, how much does it cost after the loan is completed? How much is the interest? This problem is of great concern to everyone. General credit card loans are more suitable for short-term loans to solve the temporary cash flow difficulties at hand, but not for long-term loans, and the interest is too high.

Reference materials; Baidu encyclopedia-credit card loan