The newly opened credit card (debit card) can be used for loans. The issuing bank has launched credit card (debit card) related loan business, and users can apply as long as they have a credit card (debit card). For example, if a user applies for a credit card (debit card) to buy a car by installments and applies for a new credit card (debit card), although the credit card (debit card) has no repayment record and consumption record, it can still buy a car by installments.

Of course, the bank will give the loan amount according to the user's credit situation, and everyone's loan amount is different.

Can I get a credit card loan?

It's possible.

First of all, we must determine the conditions for applying for a loan. Lenders should have good personal credit information and stable income to pay their own loans. If these conditions are met, loans can generally be made. As it happens, these conditions are also needed to apply for a credit card. Both are necessary and sufficient conditions.

So with a credit card, you can usually get a loan. Let's know what a credit card loan is. Credit card loan refers to the overdraft function granted by the bank to cardholders within a certain amount, which transforms the consumer loan function of credit card into unsecured micro-loan, which is actually a credit card lending business. After the credit card application is approved, the bank will transfer part or all of the amount in the credit card to the debit card and repay it according to the repayment period agreed with the bank before.

Extended data

At present, it is not particularly strict to apply for a loan by credit card. As long as the personal credit record is good, it is generally possible to apply for a loan with a credit card. The specific loan amount will vary according to the personal financial information submitted when you apply for a credit card. Generally, about 5000 ~ 20000 yuan can be used for loans.

Finally, we should pay attention to the repayment after the credit card loan, that is, how much does it cost after the loan is completed? How much is the interest? This problem is of great concern to everyone. Generally, credit card loans are more suitable for short-term loans to solve the temporary cash flow difficulties at hand, but not for long-term loans, and the interest is too high.

Reference materials; Baidu encyclopedia-credit card loan

I just got a credit card. Can I apply for a loan right away?

Of course.

The Interim Measures for the Administration of Personal Loans have corresponding provisions:

Article 11? Personal loan application shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.

Extended data:

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Relevant laws of the Interim Measures for the Administration of Personal Loans:

Article 34? If the borrower pays by itself, the lender shall agree with the borrower in advance in the loan contract, requiring the borrower to report or inform the lender of the payment of loan funds on a regular basis.

In terms of loan purposes, it is emphasized that loans without specific purposes should not be issued, and loan funds should be managed and controlled by the way of entrusted payment by the lender or independent payment by the borrower, and no additional conditions should be set for the application of specific personal loan business.

Article 35? Lenders should establish an effective whole-process management mechanism for personal loans, formulate loan management systems and operating procedures for each loan type, clarify the corresponding loan objects and scope, implement differentiated risk management, and establish an assessment and accountability mechanism for each operation link of loans.

Can the new credit card (debit card) of ICBC be loaned?

The new ICBC credit card (debit card) can be used for loans. ICBC's credit card (debit card) can apply for a loan. ICBC's e-loan is a credit card (credit card) loan product, which is unsecured, unsecured and pure credit. The maximum application amount is 200,000 yuan, and the longest loan period is 2 years. Generally, as long as the user 18 is over one year old, has a stable job and income, and has no bad credit record, he can apply for a loan on the ICBC mobile app.

Warm reminder: Credit card (debit card) loans can only be repaid by installments, and the credit lines of ICBC Finance E and credit card (credit card) are enjoyed by * * * *.