Who are the female account holders who own credit cards and also have loans?
Female refers to gender = 'F'
SELECT T1.client_id FROM client AS T1 INNER JOIN disp AS T2 ON T1.client_id = T2.client_id INNER JOIN loan AS T3 ON T2.account_id = T3.account_id INNER JOIN card AS T4 ON T2.disp_id = T4.disp_id WHERE T1.gender = 'F'