Can pass. According to the query on the Zheshang Bank website, if the Zheshang Bank credit card is not overdue, it will not affect the loan. When the bank evaluates the loan applicant, in addition to evaluating the repayment ability and loan purpose, it will definitely focus on evaluating the applicant's For personal credit, if the total number of overdue items reflected in the credit report does not exceed 6 times, and the overdue period does not exceed 3 times in the past year, the bank will consider that there are no serious problems with the credit record.