Legal subjectivity:

The specific method is: 1. Call the bank and apply for a credit card loan. 2. Provide your credit card information to the staff and inform them of the purpose of the loan. 3. Wait for bank review. 4. After passing the review, the bank will lend and the funds will be credited to the account. Article 667 of the Civil Code: A loan contract is a contract in which the borrower borrows money from the lender and returns the loan and pays interest when due. Legal objectivity:

Article 11 of the "Interim Measures for Personal Loans" A personal loan application 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 a national Relevant stipulated overseas natural persons; (2) The purpose of the loan is clear and legal; (3) The loan application amount, term and currency are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good, No major bad credit record; (6) Other conditions required by the lender.