If you have a smart card of China Merchants Bank, you can log in to the mobile banking, click My-All-Loan-I want a loan, and try to check whether you are qualified to apply for a "lightning loan" through this interface. If so, you can try to apply.

Tips If you can't apply, you can apply for mortgage, car loan and consumer loan. Depending on the purpose of the loan. This kind of loan is earmarked and paid directly to the counterparty, so you can't borrow money.

Second, do you need a credit card (debit card) for the loan?

Not all loans require users to have a credit card (debit card) when applying. For example, for a mortgage, there is no requirement in the application conditions that the applicant must be a credit card (debit card) user. When users apply for credit card (debit card) customer-specific loan service, they need to have a credit card (debit card), and other loans can be applied without a credit card (debit card).

Of course, users with credit cards (debit cards) will not give them away for nothing, and banks can better evaluate users' credit information.

Third, the difference between credit card (debit card) reserve fund and loan

The main differences between credit card (debit card) reserve fund and loan are: credit card (debit card) needs to apply for credit card (credit card) reserve fund, but does not need to apply for loan; Credit cards (debit cards) are used for consumption and cannot be used for cash withdrawal or transfer. Loans are generally cash loans and funds can be raised and carried. The interest rates of credit card (debit card) imprest and loan are also different.

Because of this, credit card (debit card) reserve fund and loan are two different products for users. If you need cash, you mainly apply for a loan.