According to the information you provided, all the credit card bills have been paid off, but there are overdue records in the credit records. The following is the answer to this question:

1. Affect the loan.

2. The reasons why overdue records will affect loans are as follows:

A. The credit record reflects the individual's repayment ability and willingness, and financial institutions such as banks will evaluate the credit risk of borrowers according to the credit record;

B overdue records show that the borrower fails to repay the debt on time, which will reduce the borrower's credit rating;

Borrowers with low credit ratings may face higher interest rates, higher mortgage requirements or the risk of being refused loans.

3. Summary: Even if the credit card bill has been fully paid off, there are still overdue records that may adversely affect the loan, because financial institutions such as banks will evaluate the repayment ability and willingness of borrowers according to their credit records.

4. Extended information:

In addition to overdue records, credit records also include other information, such as the amount owed, the credit card limit, and the number of credit inquiries. These factors will form a credit rating to evaluate the credit risk of borrowers. Therefore, when applying for a loan, besides whether there are overdue records, other credit-related factors will be considered.

To sum up, even if the credit card bill has been fully paid off, the overdue records in the credit record may still have an impact on the loan. In order to maintain a good credit record, it is suggested to repay the loan on time and use the credit card limit reasonably in daily life, and pay attention to your credit report regularly to find and correct any wrong information in time. This will help improve your credit rating and improve the chances of success in loan application.