You can get a credit card. Go to the bank to apply for a credit card, as long as you have good credit information and no bad credit record, you can apply for a credit card, which will not have much impact on your application for a credit card.

Requirements for handling credit cards:

1. Age: 18~65 years old, with full capacity for civil conduct;

2. Credit conditions: good credit and no bad credit record;

3. Income conditions: there is a stable source of income, which can guarantee timely repayment every month;

If you confirm that you meet the above conditions, you can bring your ID card, proof of income and proof of financial resources to the bank outlets to apply for a credit card. It is relatively easy to apply for Capka for the first time, and the amount is between 1 0,000-10,000.

Compared with ordinary bank savings cards, the most convenient way to use credit cards is for ordinary consumption, and there is no cash in the cards. In many cases, it is enough to return the consumption amount on time.

The invention of credit card is like a double-edged sword, which can solve the temporary economic crisis. However, the purpose of issuing credit cards is to make money. Once the interest-free repayment time is exceeded, high interest will be charged, usually five ten thousandths of interest per day.

Baidu encyclopedia credit card

Do I have to apply for a credit card to get a bank loan?

You don't have to apply for a bank credit card to get a bank loan. According to the current situation, there is no need to apply for a bank credit card for general loans. After the loan application is successful, the lender only needs to repay the monthly payment on time every month, and the repayment method is usually transfer deduction. In other words, the bank or another lending institution will deduct the money within the agreed repayment time. Only lenders apply for credit cards to buy cars. For this kind of loan, the bank requires the lender to apply for a bank credit card. When a bank handles mortgage loans or mortgage loans, the lending bank will have a series of bundled sales behaviors, requiring you to handle credit cards, and both loan accounts and repayment accounts should be opened at the lending bank. This is a promotion strategy after the bank's tasks are linked. You can refuse the bank's card request. If the bank insists on coercing customers to apply for a card, it can complain to the local banking supervision department.

Can I get a credit card for a bank loan?

You can apply for a credit card if you have a bank loan, but only if the user repays the loan on time and there is no overdue record. Generally speaking, the conditions for applying for a credit card are:

1. The applicant has a good credit status and no bad credit record.

2. The applicant has reached the age of 18.

3. The applicant has stable and legal income and repayment ability.

4. Other conditions stipulated by the applicant bank.

How do loan companies handle credit cards?

According to Article 8 of the Credit Card Charter of China CITIC Bank (New Edition):

Where a basic account is opened in a domestic financial institution, an enterprise with independent legal personality can apply for a CITIC Business Card from the card issuer with the information such as the account opening permit issued by the People's Bank of China. The qualification of the official card holder shall be designated and revoked in writing by the legal representative of the unit or its entrusted agent. Each unit can apply for more than one official card.

When applying for CITIC Credit Card, the applicant shall fill in the application form and relevant materials required by the card issuer correctly, completely and truly, and sign the CITIC Credit Card Collection Contract with the card issuer.

The applicant agrees that the card issuer will consult, retain and use relevant information of interested parties. By signing the application form, the applicant confirms that he has fulfilled all the terms in the application form and abides by the credit card regulations of China CITIC Bank.

Extended data:

According to the credit status of the applicant, the card issuing institution decides whether to issue a card, whether to require the applicant to provide a guarantee and the way of guarantee, whether to agree with the applicant's application for card handling, and determine the type of card and the credit limit of the cardholder.

The applicant agrees that the card issuer can verify the information provided by the applicant with any interested party, and the card issuer can provide the relevant information of the cardholder to a third party under the condition of complying with the provisions and agreements of relevant laws and regulations. No matter whether the credit card is terminated or not, the applicant's application materials will not be returned.

Applicants can apply for a credit card by providing guarantee, including guarantee, mortgage and pledge. A corresponding guarantee contract can be signed separately for guarantee. The scope of guarantee includes all debts incurred by the cardholder under CITIC Credit Card.