You can apply for a credit card normally if the micro-loan has not been repaid.
Article 33 of the Notice on Printing and Distributing the Measures for the Administration of Credit Card Business stipulates that any unit that opens a basic account in a financial institution in People's Republic of China (PRC) may apply for a unit card. You can apply for multiple business cards, and the cardholder qualification shall be designated and cancelled in writing by the legal representative of the applicant or his entrusted agent.