Credit card can be used as a reference factor in applying for a loan, because it reflects an individual's past credit history and repayment ability. However, when applying for a loan, banks pay more attention to whether the lender meets the loan conditions, such as credit history, job stability, repayment ability and so on. Therefore, although there are credit cards that can improve the credit of loan application, other conditions need to be met in order to successfully apply for a loan.