Legal analysis: It doesn't matter. If there is no credit problem, you can get a loan. If there is no law, you can't get a loan or credit card from the bank. If you have a criminal case, you can apply for a loan or credit card from the bank like ordinary people.

Legal basis: Article 35 of People's Republic of China (PRC) Commercial Bank Law. Commercial banks should strictly examine the borrower's loan purpose, repayment ability and repayment method. Commercial bank loans shall be subject to the system of separating loan review from grading approval.