1. If 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, he can apply for a credit loan.

If your credit card is in arrears, you can apply for a credit loan. 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.

In addition, credit loans can be applied not only to banks, but also to local loan companies. The loan company doesn't care whether the applicant's credit card is in arrears, but mainly depends on whether the applicant has enough repayment ability.

4. The interest expenses for handling credit loans through loan companies are relatively high, and friends with weak repayment ability should choose carefully.