What the bank considers whether you can get a loan is not how long you have used your credit card, but whether your credit record is good and your own repayment ability. If you have no overdue credit and have a stable job income, you can apply for a loan.

The basic conditions for the loan are:

1. No bad record on the national credit record

2. Have a legitimate and good occupation with stable economic income, Have the ability to repay the principal and interest of the loan on time;

3. Other personal credit loan conditions stipulated by the bank.

4. Chinese citizens who have a fixed residence in China, permanent residence in local cities and towns, and full capacity for civil conduct;

5. Abide by laws and regulations, and have no illegal conduct or bad credit record;