Generally, if you have a CCB card, you can directly use the borrower's account name. Its main function is to repay the loan and deduct the repayment amount from the card regularly every month. If not, the borrower needs to bring his ID card to the front desk to apply for an ordinary debit card, and then tell the account manager of the loan department to apply for a loan for himself.

As for credit cards, if there is a mortgage, banks can apply for credit cards, and there is no hard and fast rule that credit cards can be used for loans.