If the credit card can be used:

When the bank reviews the credit card, it only looks at the applicant's personal credit report in the previous 24 months. As long as you continue to use this credit card, on time and in full A good credit record will refresh the "stain" after 24 months of repayment.

After maintaining a good card usage record for a while, cardholders can choose to apply for a credit card from a bank with relatively low application thresholds, such as China Merchants Bank and CITIC Bank.