Personal credit is a very important indicator when you apply for this card. If you spend all your credits, it will be difficult to pass the application. Not everyone can apply for a convenience card. Generally speaking, farmers, businessmen, urban residents, public officials, small and micro business owners and other natural talents can apply. Usually, if a family applies for a convenience card, it can be restored by using this card more. Generally speaking, the previous credit records will be overwritten after 5 years.