;Although CCB Quick Loan cannot be withdrawn in cash, the consumption limit is relatively high, and the interest rate is relatively favorable, so there are still more people applying. However, CCB’s quick loan review is stricter, and applicants may not be able to pass the application due to various reasons, such as credit card reasons. So, what to do in this situation? Let’s find out together below.

1. Do I need a credit card to apply for CCB Quick Loan? CCB Quick Loan is a personal credit loan provided by CCB to high-quality customers. All CCB customers have the opportunity to apply, including mortgage customers, deposit and financial management customers, agency customers, credit card customers, provident fund customers, etc. However, depending on the customer's identity, the customer Qualification requirements are also different. To put it simply, you do not need a credit card to apply for a CCB quick loan, but if you are a credit card customer, there will undoubtedly be a comprehensive evaluation based on personal credit conditions and credit card usage.

2. What should I do if the application for CCB quick loan failed because of credit card? There are two main reasons: 1) Long credit limit means that the credit cards held under one's name belong to ≥10 banks. In this case, it is recommended to cancel the credit cards not used by other banks; 2) The total credit limit is too high although the credit card issuer under one's name In this case, you can reduce the total credit limit by paying off credit cards or canceling unused credit cards. In addition, if the credit card is overdue, especially if it is overdue three or six times in a row, even if the debt is paid off, bad credit still exists, which will lead to the application for a quick loan being rejected. For this reason, everyone must cherish their credit.