Credit cards can be used for loans for 50 years. Credit cards can be used for loans. Banks will launch exclusive loan services for credit card customers. For example, Bank of Communications enjoys loans, CITIC Bank enjoys fast loans and China Merchants Bank reserves. Users only need to hold a bank credit card. And that use condition is good. No record of overdue repayment. You can apply to the bank for related loan services. It should be noted that. No credit card. Then you can only apply for other loans. You can't apply for this exclusive loan.