This should have been said when I applied for a loan, and it must have been mentioned in the agreement. Loans cannot be used to invest in stock market funds, nor can they be used to support loans, let alone credit cards. Once you violate the relevant regulations, the other party has the right to withdraw your loan qualification and mortgage amount. If you want to reply, you need your credit information to meet the qualified conditions. As for the deadline, you can do it yourself. It takes one year if it is fast, and three to five years if it is slow, because it is difficult to establish personal credit information.