Handling multiple credit cards, as long as the repayment is made on time, has no impact on the loan, and the loan application approval does not refer to the number of credit cards handled.

If you want to apply for personal loans in major banks, you need to do the following basic aspects:

1. The applicant has a stable job and has worked for more than half a year;

2. It can provide bank flow recognized by the bank, and the minimum monthly income is generally more than 3,000 yuan;

3. Personal credit record is good, and there is no record of continuous malicious arrears.

Information that an individual needs to provide when applying for a bank loan:

(1) loan application;

(2) The original and photocopy of the husband and wife's ID card (personal ID card), household registration book and marriage certificate;

(3) The co-owner of the property agrees to the loan;

(4) husband and wife occupation (personal occupation), income certificate, family property status (work certificate, bank account, property certificate, vehicle driving license, etc.) and other information. );

⑤ Certificate of fixed place (real estate license and water, electricity, gas and other documents in the last three months);

⑥ Loan contract.