360 loan is a relatively formal loan product, so users will check the credit when they are overdue. It can be seen that when your 360 debt is overdue, your personal credit will be affected, so if you apply for a credit card in the future, it will also be affected. Therefore, if you want to apply for a credit card successfully, you must standardize the use of credit. In addition, you must keep good credit card behavior. Before submitting a credit card application, it is best to check your credit card big data through WeChat and Card Help. Confirmed, it is more beneficial to the credit card application result.