1. Is it easy to apply for a credit card if you have a car or house mortgage loan with China Construction Bank and ICBC?

This depends on whether you meet the bank's card application conditions.

For example, the basic conditions for applying for a CCB credit card are that you are between 18 and 70 years old and have full capacity for civil conduct; you have a stable career and income, and you can be on time

After meeting the basic conditions, If you still have assets such as cars and houses, it will be easier to get a higher loan amount

2. Is it easy to apply for a credit card if you have a loan?

If you have a formal job, you can apply for a China Merchants Bank credit card , but the amount varies depending on the size

If you have the qualifications for a loan from China Merchants Bank, China Merchants Bank will work very efficiently

3. Can I apply for a credit card if the bank has a loan?

If there is no problem with the credit report, you can apply. If you want a large amount, you need to have a large turnover or own real estate. Check out the credit card application conditions: 1. Be 18 years or older; 2. Hold a valid ID card; .3. No bad credit record; 4. Proof of regular employment; 5. Proof of income stamped with the financial seal of the unit; 6. Proof of other financial resources, such as real estate, cars, stocks, bonds, etc.; 7. Proof of social pension insurance; 8. Provide two contact persons. The first three conditions must be met, and providing 4-7 supporting materials as much as possible will increase the success rate of card application and credit limit. It is best to apply for a credit card at the bank counter. You will be notified by phone after approval.