Not necessarily. Official website, an Anhui rural credit cooperative, inquired that the savings card has a running water of 5 million yuan for half a year, which will affect the loan amount. When Anhui Rural Credit Cooperative inquires about bank flow, besides income, it will also consider the information of consumption and withdrawal. If the salary is paid, the lender will use it to pay back the credit card or spend money, and the account balance will basically bottom out, then banks and lending institutions will think that your economic situation is very poor and you are on the verge of making ends meet every month.