After applying for a credit card, white households can generally apply for a loan from the bank after three to four months of normal use, but it should be noted that the repayment must not be overdue, otherwise the loan will definitely be affected.

The so-called credit white households refer to users who have never applied for a credit card or have a loan relationship with financial institutions. Because the user's personal credit record is zero, the lending institution can't judge the user's credit status, so the user usually applies for a credit card for a period of time before making a loan.