The subject doesn't have a credit card to see if it can be used, but it should not be used according to reason. The subject can apply for a credit card first and then get a loan.

Conditions for applying for loan business:

1. A natural person aged between 18 and 65.

2. The actual age of the borrower plus the loan application period should not exceed 7 years old.

3. It has the ability to stabilize employment and income, and repay the loan principal and interest on schedule.

4. The credit information is good, with no bad records, and the loan is used legally.

5. Other conditions stipulated by the bank.