Whether you can get a loan does not depend on the length of your credit card use, but on whether your credit history is good and your own repayment ability. If you have no overdue credit and have a stable income, you can apply for a loan.

The basic conditions of the loan are:

1. There is no bad record in the national credit record.

2. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule;

3. Other personal credit loan conditions stipulated by the bank.

4. China citizens with permanent residence in China, permanent residence in the local area and full capacity for civil conduct;

5. Abide by laws and regulations, and have no illegal acts and bad credit records;