Does the questioner want to ask, "Can I apply for Guangfa Bank e-second loan after using up my credit card limit?" Can. According to the inquiry on the official website of Guangfa Bank, as of June 2, 2023, Guangfa e-second loan and credit card limit are not exclusive and can be used at the same time. If the credit card limit is used up, you can apply for Guangfa Bank e-second loan. of.