With a credit card, you can apply for a loan without bad credit information such as overdue credit card.

According to Article 11 of the Interim Measures for the Administration of Personal Loans, an application for personal loans should meet the following conditions:

(1) The borrower is a citizen of the People's Republic of China with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.

Extended information:

Interim Measures for the Administration of Personal Loans Article 23 A lender shall sign a written loan contract with the borrower, and a guarantee contract shall be signed at the same time if a guarantee is required. The lender shall require the borrower to sign the loan contract and other relevant documents in person, except for loans handled through electronic banking channels.

article 24 a loan contract shall comply with the provisions of the contract law of the people's Republic of China, and clearly stipulate the good faith commitment of each party, the purpose of the loan fund, the object (scope) of payment, the amount of payment, the payment conditions and the payment method. The loan contract shall set up relevant clauses to clarify the liability for breach of contract that the borrower shall bear when he fails to perform the contract or is slow to perform the contract.

called multi-county government-Interim Measures for the Administration of Personal Loans