Under normal circumstances, credit cards are used well, generally spending more on credit cards and using more credit cards quickly. In addition, ordinary bank card holders can take the initiative to apply for withdrawal if their credit cards have been spent continuously for more than 3 months.

The time required for each bank to take the initiative to apply for withdrawal is different, as follows:

1. Generally, banks need cardholders to spend more than 3 months continuously with their credit cards before they can apply for withdrawal.

2. Banks such as BOC, ABC, ICBC and CCB need to use credit cards for more than 6 months.

3. Banks such as Bank of Communications and CITIC need the invitation of the bank to withdraw money.