1. The limitation of action for credit loans in the Civil Code is three years. It shall be counted from the date when the obligee knows or should know that his right has been damaged and the debtor knows it. However, if his right has been damaged for more than 20 years, the people's court will no longer protect it. If there are special circumstances, he may apply for an extension.

2. Legal basis: Article 188 of the Civil Code of People's Republic of China (PRC).

The limitation period for requesting protection of civil rights from the people's court is three years. Where there are other provisions in the law, those provisions shall prevail. The limitation period of action shall be counted from the date when the creditor knows or should know that the right is damaged and the debtor knows it. Where there are other provisions in the law, those provisions shall prevail. However, the people's court shall not protect the rights that have been damaged for more than 20 years. Under special circumstances, the people's court may decide to extend the time according to the application of the obligee.

Second, the handling of personal credit loans

Conditions for personal credit loans:

1, 18 to 65 years old natural person;

2. The borrower's actual age plus the loan application period shall not exceed 70 years old;

3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;

4. Good credit information, no bad records, and legal use of the loan;

5. Meet other conditions stipulated by the bank.