If the online loan is used too much, it will be recorded in your personal credit report. Although it has been paid off for a month and a half, the personal credit report shows that it is not very good. Banks will think that you are extremely short of money before using online loans, and the reserve fund is overdue. Generally speaking, your credit report has been evaluated, and it is not recommended that you apply for a credit card. Even if you apply, you are more likely to be rejected.