Legal analysis: it will affect the loan. Whether you owe money maliciously or not will have an impact on applying for a car loan. Banks will have a maximum limit on borrowers' bad credit records. Under normal circumstances, the credit card is overdue for three times in a row or six times in total, and it is difficult to get a loan.

Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC) refers to the act of using credit cards to defraud a large amount of property for the purpose of illegal possession, in violation of credit card management regulations. Whoever engages in credit card fraud, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan.