Yes, if you have no bad credit record, you can apply for a credit card. You can't apply for a credit card if you have a bad credit record.

Bank credit card application conditions:

① Age requirements: local residents should be 18-65 years old, and foreigners should be 25-65 years old;

2 job requirements: have a stable work unit, income and fixed residence;

③ Credit requirements: no bad credit record. The supplementary card applicant must be the parent, spouse or child of the main card holder, aged between 16-65.

Bank credit card application materials:

(1) identification information:

Copy of resident identity card or military officer's card; If you are Hong Kong and Macao compatriots, you need to provide a copy of the mainland pass and residence certificate for more than one year; If you are a foreigner, you can provide a copy of your passport and residence permit for more than one year.

② Proof of work and income:

Salary certificate or business card and photo badge.

Proof materials that can prove that you have good economic strength: copy of real estate license and copy of automobile driving license; Copy of bank loan account (good credit, overdue for no more than 60 days) or deposit certificate.

Can I apply for a credit card if I have a loan in my name?

If you have a loan in your name, you can apply for a credit card. As long as loans overdue doesn't repay, it won't affect the processing of credit cards.

According to Article 43 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, customers who apply for the bank's credit card for the first time are not allowed to issue credit cards by automatic card issuance in the whole process. Credit card applicants should strictly review and strengthen risk prevention and control in the following situations:

(1) Leaving relevant suspicious information or criminal records in the identity information system;

(2) There is no credit record in the credit information system;

(3) Having a bad record in the credit information system;

(four) there are many bank loans or credit card credit records in the credit information system;

(5) Business travel cards and business shopping cards handled by the unit;

(6) Risk information obtained from other channels.

Extended data:

Measures for the supervision and administration of credit card business of commercial banks Article 57 The issuing bank shall clearly stipulate in the credit card collection contract (agreement) the specific operating procedures for repaying credit card loans with the relevant assets of the cardholder, and shall not directly offset the credit card receivables with the assets of the cardholder without the authorization of the cardholder. Unless otherwise stipulated by national laws and regulations.

When the issuing bank receives the repayment from the cardholder, it will repay all the debts in its credit card account in the following order: if it is overdue for 1-90 days (inclusive), it will repay the interest or expenses first and then the principal; If the overdue period exceeds 9 1 day, the principal shall be repaid first, and then the interest or various expenses shall be repaid.