After applying for a credit card, white households can generally apply for a loan from the bank after three to four months of normal use, but it should be noted that the repayment must not be overdue, otherwise the loan will definitely be affected.

The so-called credit white households are users who have never applied for a credit card or had a loan relationship with a financial institution. Because their personal credit record is zero, lending institutions cannot judge the credit status of users, so users usually apply for a credit card for a period of time before lending.