according to the online and personal experience of inquiring merchants, it is generally unnecessary to provide a savings card and apply for a bank credit card when handling credit cards. As long as the conditions for applying for a credit card are met, the bank will not require users to provide a savings card first. When an applicant applies for a credit card, the bank mainly examines whether the applicant has a fixed income, that is, whether the applicant has the ability to repay.

according to article 7 of the measures for the supervision and administration of credit card business of commercial banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.