There is no direct relationship between credit card and loan, and a good credit card usage record can help lenders get loans.

Generally speaking, to apply for a personal loan, you need to meet the following conditions:

China citizens with permanent residence, fixed residence or valid residence certificate at the place where the loan bank is located, aged 18-65 years old (inclusive) and with full capacity for civil conduct;

Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule;

Have a good credit record and willingness to repay, and no bad credit record;

Being able to provide legal, effective and reliable guarantees recognized by the bank;

There is a clear purpose of the loan, and the purpose of the loan conforms to the relevant provisions;

Other conditions stipulated by the bank.