If the student loan has been paid off and it has been more than five years since the month of repayment, you can have the opportunity to apply for a credit card. Banks generally record credit reports for five years and can roll them over

Credit records are generally kept for 5 years. Some banks that apply for credit cards only look at the past two years. If your application is rejected due to poor credit, it is recommended to apply after a period of time

According to According to relevant national regulations, credit records will be recorded for a long time. A bad credit record will follow you for at least 5-7 years. Currently, the People's Bank of China's credit report generally shows your credit status within 5 years. Commercial banks and companies that apply for loans focus on your credit status in the past two years.