Credit card is not a necessary condition for loan. As long as you meet the loan conditions, you can apply for a loan. Unless, of course, you need a credit card. The basic conditions for applying for a loan are as follows:

1, the identity is legal and valid.

2. At least 18 years old, and the age plus loan period shall not exceed 70 years old.

3. Have the ability to repay the loan principal and interest on time.

4. Abide by the law, be honest and trustworthy, and have no illegal acts. At present, there are no criminal cases or civil cases against them.

5. The credit is good, the loans and credit cards under the names of customers and their spouses are not overdue at present, and the credit records meet the product access requirements.

Those who meet the application conditions can apply to the bank.