When applying for a car loan with a credit card debt of 220,000, does the car loan depend on the credit card debt? As the end of the year approaches, car dealers have come up with relatively high preferential policies in order to boost performance. Many friends also want to take advantage of the end of the year. "Copy the lowest price." Among them, there are many people who have credit card debt and want to buy a new car through car loans. At the same time, they are also worried that the bank will reject the loan application during the review because they have too much debt. So does a car loan need to look at credit card debt? First of all, if there are too many debts on credit cards, it will have a certain impact on personal loans, but the most fundamental impact still depends on personal credit. If there are no problems with your personal credit report within five years, most banks will approve it. Secondly, if the debt exceeds 50% of the loan amount, the bank will still consider your loan application. In this case, you can provide proof of employment and income with an official seal when applying for a loan to prove to the bank that you have the ability to repay, and the chance of approval will be higher. If your credit card debt is relatively high, even if the bank approves your loan, it is likely to reduce your loan limit to avoid risks. Secondly, if the borrower is married, you also need to look at the credit report of his or her spouse. If the spouse has too many overdue records and the credit report problem is serious, the bank may not approve the application. Failure to get approved for a car loan may be caused by the following reasons. 1. The information provided is insufficient or untrue, resulting in failure to pass the initial review. 2. The loan amount is too high, and the bank thinks it is beyond your repayment ability. 3. Too much debt. 4. People with poor credit may even be blacklisted. Therefore, maintaining a good credit record can ensure that we can get a loan when necessary. When the loan application is not approved, we should pay more attention to our own problems. Don’t make impulsive purchases in the heat of the moment.