Legal analysis: No, you only need to provide proof of personal income and a copy of your ID card to apply for a credit card. A marriage certificate is required to apply for a personal loan.
Legal basis: "China Article 1046 of the People's Republic of China and the Civil Code
Marriage must be completely voluntary for both men and women. It is prohibited for either party to force the other party, and it is prohibited for any organization or individual to interfere.
Article 1047: The age of marriage shall not be earlier than 22 years old for men and 20 years old for women.
Article 1048: Direct blood relatives or collateral blood relatives within three generations are prohibited from marrying.
Article 1049. Both men and women who wish to get married shall apply for marriage registration in person at the marriage registration authority. If the marriage complies with the provisions of this law, it will be registered and a marriage certificate will be issued. Completion of marriage registration establishes the marriage relationship. If the marriage has not been registered, it must be re-registered.
Article 1050 After registration of marriage, according to the agreement between the man and the woman, the woman can become a member of the man’s family, and the man can become a member of the woman’s family.
Article 1051: A marriage is invalid if one of the following circumstances occurs:
(1) Bigamy;
(2) There is a prohibition on marriage kinship relationship;
(3) Not reaching the legal age for marriage.