You can apply for a credit loan if your credit card is in arrears. However, it depends on whether the credit card is overdue. If it is overdue, it is not good to apply for a credit loan from the bank.

If the debt situation is not high, the credit card is only partially owed, but it is not overdue, and the applicant has always had a good credit record, a stable job and income, and sufficient repayment ability, and can basically apply for a credit loan.

In addition, credit loans can be applied not only to banks, but also to local guarantee companies.

However, the guarantee company has lower requirements for the applicant's liabilities and credit information than the bank.

Mainly depends on whether the applicant has enough repayment ability.

Note: The basic conditions for credit loans are China citizens with good credit information, stable job and income, less debt, sufficient repayment ability and full capacity for civil conduct.