Can I apply for a credit card if I have a loan?

Can I apply for a credit card? Go to the bank to apply for a credit card. As long as your credit report is good and you have no bad credit record, you can apply for a credit card. It will not have much impact on your application for a credit card.

Requirements to apply for a credit card:

1. Age conditions: between 18 and 65 years old, with full capacity for civil conduct;

2. Credit conditions : Good credit, no bad credit record;

3. Income conditions: Have a stable source of income and be able to guarantee monthly repayments on time;

You can bring it if you confirm that you meet the above conditions Prepare your ID card, proof of income, and proof of financial resources and go to a bank branch to apply for a credit card. It is easier to apply for a Kapu card for the first time, and the limit is between 1,000 and 10,000.

Compared with ordinary bank savings cards, the most convenient way to use credit cards is that they can be used for ordinary consumption without cash in the card. In many cases, you only need to return the consumed amount on schedule.

The invention of credit cards is like a double-edged sword, which can solve the temporary economic crisis. However, the purpose of banks issuing credit cards is to make money. Once the interest-free repayment time is exceeded, high interest will be charged. , generally an interest of 0.05% per day.

Baidu Encyclopedia Credit Card

How does a loan company apply for a credit card?

According to Article 8 of the "CITIC Bank Credit Card Articles (New Edition)":

Enterprises with independent legal person status that open basic accounts at financial institutions in China can apply for a CITIC Business Card from the card issuer with the account opening license issued by the People's Bank of China and other information. The qualification of a business card holder shall be designated and revoked in writing by the legal representative of the unit or his authorized agent. Each unit can apply for multiple official cards.

When applying for a CITIC credit card, the applicant should fill in the application form and relevant information required by the card issuer correctly, completely and truthfully in accordance with the card issuer's regulations, and sign the "CITIC Credit Card Acceptance Agreement" with the card issuer.

The applicant agrees that the card issuer will consult, retain and use relevant information to relevant parties. By signing and confirming the application form, the applicant confirms that it has fulfilled all the provisions and abided by the "CITIC Bank Credit Card Regulations".

Extended information:

Based on the applicant’s credit status, the card issuer decides whether to issue a card, whether to require the applicant to provide a guarantee and the method of guarantee, and whether to agree to the applicant’s application for a card. , determine the type of card, the credit limit of the cardholder, etc.

The applicant agrees that the card issuer can verify the information provided by the applicant with any relevant party. In accordance with the provisions and agreements of relevant laws and regulations, the card issuer can provide relevant cardholder information to third parties. Regardless of whether it is approved and whether the credit card is terminated, the applicant's application materials will not be returned.

Applicants can choose to apply for a credit card by providing guarantee. The guarantee methods include: guarantee, mortgage and pledge. A corresponding guarantee contract can be signed separately for guarantee. The scope of guarantee covers all debts incurred by cardholders under CITIC Credit Card.