Many lending institutions can authorize credit cards, a kind of credit card with high quota and good credit, which can help users get loans.

Credit card can be used as a guarantee for the following reasons: the credit card audit is very strict, which can avoid the second audit of lending institutions and improve certain efficiency. The use and credit status of credit cards are the best reference materials, which directly reflect the borrower's consumption ability, repayment ability and integrity. Credit cards have the functions of cash withdrawal and overdraft, which can provide a buffer period for loans at critical times and optimize the quality of bank credit assets.