1. You need to apply for a credit card to the bank and submit relevant supporting materials, such as proof of identity, proof of income, proof of employment, etc., and your personal credit is good. 2. Wait for bank approval. 3. After approval, you can get a card with a certain credit limit granted by the bank. 4. After the applicant gets the card and activates it, he can swipe the card to purchase the goods he needs. However, after overdrafting a credit card, the cardholder must repay it in full and on time to avoid leaving a bad credit record.

At present, the application threshold for credit card loan business is not high. As long as the cardholder’s credit status is good and there are no abnormalities in the account, he can generally apply. Most banks can provide personal credit card loans through telephone invitation and customer initiative application. Some banks adopt the bank's initiative invitation method. Customers who are actively invited by the bank generally receive a higher loan limit than those who actively apply. Through this method, you can apply for loans ranging from 5,000 yuan to 200,000 yuan. As for the amount of personal credit card loans you can borrow, it is related to the original credit limit of the credit card holder.