If it is applied only once, it will not affect the loan.

There are two main reasons why you cannot get a loan due to overdue or bad records:

1. If your credit card is overdue for more than six times in two years, you cannot apply for a provident fund loan:

If a personal credit card or loan is overdue for three consecutive months, or has been overdue more than six times within two years, you will not be able to apply for a provident fund loan. At present, when banks or provident funds handle credit business, they mainly rely on the borrower's credit record in the past two years. Cardholders who want to apply for provident fund loans to buy a house should not use credit cards easily for consumption, and must ensure on-time repayment. Extended information

For example, a person who took out a loan to buy a house has had many credit card overdues, resulting in a poor personal credit score. Then you definitely cannot apply for a provident fund loan, and you can consider using a commercial loan. However, due to the impact of past bad credit records, most banks will increase the base interest rate by a minimum of 10%. If the overdue amount is serious and frequent, the bank will not approve the loan application.

Notes on using cards: Whether you want a loan to buy a house or a loan for working capital, banks attach great importance to personal credit records. Bad credit records may also affect credit card applications or installment arrangements. If you have a bad credit record, don't blindly cancel the credit card you are using. Make sure you consume rationally and repay your credit card in full and on time. The bad credit record will be automatically eliminated after five years.

Reference: Overdue_Baidu Encyclopedia

Loan_Baidu Encyclopedia