Legal analysis: 1. Telephone application. A credit card loan is actually a credit card cash overdraft. After applying to the bank, and after approval, the bank will transfer the funds to the debit card given by the cardholder and then you can use it. Call the relevant bank customer service and tell the bank customer service that you need a credit card to apply for a loan.

2. Go to the bank to apply. You need to provide credit card information, such as card number, name, credit card loan purpose, etc., and wait for the bank to review your information. Whether the information provided is accurate, you need to confirm that it is you who is handling it.

Legal basis: Article 8 of the "People's Republic of China and Civil Code" Civil subjects engaged in civil activities must not violate the law or violate public order and good customs.

"Interim Measures for Personal Loans" Article 11 Personal loan applications shall meet the following conditions: (1) The borrower is a citizen of the People's Republic of China with full capacity for civil conduct or meets the relevant national regulations Overseas natural person; (2) The purpose of the loan is clear and legal; (3) The loan application amount, term and currency are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there are no major bad debts Credit record; (6) Other conditions required by the lender.