generally, if there is a CCB card, the borrower's account name can be used directly, and its main function is to repay the loan, and the repayment amount is deducted from the card regularly every month. If not, the borrower needs to bring his ID card to the front desk to apply for an ordinary debit card, and then tell the account manager of the loan department to handle the loan for himself.

as for credit cards, banks can apply for credit cards if they have mortgages, and there is no hard and fast rule to apply for credit cards before they can get loans.