Decoration loans are generally valid for about one year. If you apply for a loan beyond the validity period, the card will be invalid. In terms of the use time of money, the amount of decoration loan is divided into two stages. In the first stage, after the successful approval of the bank, some banks will require the applicant to apply for a loan from the bank within 1 year. If no loan is applied to the bank within 1 year, the amount will be cleared. The second stage is the validity period after the loan, which is generally 180 days. If there is no consumption during this period, the quota will be cleared. Therefore, it is recommended to activate the card within the validity period and use money to avoid invalidation.