Wechat involves the blacklist of credit cards, which will affect loans. Judging from the relevant public information, if the bank's credit card is blacklisted by the strong wind, it will be more difficult to apply for bank loans. If only the online loan account is controlled by the wind, it does not affect the application for bank loans. Online loans have overdue records in credit. At this time, the bank will check the user's credit and find that the user has bad credit. Generally speaking, as long as the bank account is not subject to risk control, you can apply for bank loans.