You can reapply for credit after the Le Jia card expires, and you need to go through the formalities again as you did when you applied for it for the first time. The application procedures are: submitting the application, reviewing and evaluating, obtaining the certificate, determining the credit line, signing the contract and using the loan.

Jialeka is a series of products of Shaanxi Credit Cooperative Father Card. It is a RMB magnetic stripe debit card with UnionPay logo issued by county (district) association. It has the functions of cash deposit and withdrawal, transfer settlement, self-service deposit and withdrawal, information inquiry, job consumption, loan use, debt service and so on. When it is used, the credit is granted for two years at a time, and the loan time is one year. The middle can be borrowed and returned for turnover.