Credit cards can still be used when applying for loans, which is more beneficial for individuals to apply for loans, and will not be overused, resulting in overdue fees. Generally speaking, the credit card limit should not exceed 10% of the credit limit.

Generally speaking, to apply for a personal loan, you need to meet the following conditions:

1. China citizens with permanent residence, permanent residence or valid residence certificate at the place where the loan bank is located, aged 18-65 years old (inclusive), with full capacity for civil conduct;

2. Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule;

3. Have a good credit record and willingness to repay, and no bad credit record;

4. Being able to provide legal, effective and reliable guarantee recognized by the bank;

5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations;

6. Other conditions stipulated by the bank.