Legal analysis: 1. Telephone application. Credit card loan is actually an overdraft of cash consumption of credit card. After applying to the bank, after approval, the bank can put the funds into the debit card given by the cardholder and use it. Call the relevant bank customer service and tell the bank customer service that they need a credit card to apply for a loan.

2. Go to the bank. You need to provide credit card information, such as card number, name, credit card loan purpose, etc., and wait for the bank to review your information. Whether the information provided is accurate or not needs to be confirmed by yourself.

legal basis: article 8 of the civil code of the people's Republic of China shall not violate the law, public order and good customs when engaging in civil activities.

article 11 of the interim measures for personal loans an application for personal loans shall meet the following conditions: (1) the borrower is a citizen of the people's Republic of China with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.