Can I apply for a credit card if I have an online loan?

Yes.

You can apply for a credit card with online loans, but online loans will affect the credit card approval in some special circumstances:

1. If the online loan is overdue and has a credit report, the bank is very The user's application may be rejected. If the overdue payment is very serious, the user will be included in the list of dishonest persons, that is, he will become a black account. At this time, he will not be able to apply for a credit card at any bank.

2. If the online loan amount is too large, the debt will be too large. The bank will think that the repayment ability has reached the upper limit, and the credit card approval will fail.

3. If you commit fraud when applying for an online loan, resulting in a bad record on your credit report, the bank may refuse to apply for a card when it sees it.

Extended information:

Notes on applying for a credit card:

The application conditions for credit cards of each bank are similar. The basic application conditions are that the applicant for the main card must be over 18 years old. Applicants for supplementary cards must be over 16 years old, have a stable job and legal income, have the ability to repay, have good personal credit, and have no bad credit record.

Applicants must have a stable job and legal income, and have a certain ability to repay.

The personal credit report is good and there is no bad credit record, especially no credit cards, overdue loans, cash out, etc.

Of course, these are the most basic conditions. Even if these conditions are met, it may not be 100% approved. In addition, some card types require special conditions, such as assets reaching a certain scale, etc.