When we apply for a loan from a bank, the supporting materials provided to the bank include our work income, repayment ability and personal credit record. Personal credit information covers many aspects, but it mainly comes from the borrower's credit card usage and whether the borrower has applied for a loan. Many friends have asked, will credit cards affect loans? In fact, a small credit card will not affect the borrower's application for a loan, but a good habit of using the card will help the loan. A friend around me has a bank platinum wealth management credit card with a limit of 300,000 yuan, but the annual fee of 1500 is charged for card activation and cannot be reduced; Secondly, there is no interest-free period, and the daily interest is calculated on a daily basis, with a daily interest rate of five ten thousandths, but the withdrawal amount is very high, which can reach 70% of the total amount. However, it still needs a daily interest rate of five ten thousandths. Although the amount is really good, it is simply a credit card, in short, a credit card with no interest-free period. I don't think a credit card with a large credit line is better, but it can be said that there are gains and losses. If you don't pay attention to your own consumption, you can even get a fee for so many years. I don't think friends who hold credit cards will care about the expensive expenses incurred for the credit limit. In fact, regarding the credit card limit, we need to pay attention to our own needs and whether we can repay on time. Large credit cards do not have certain convenience when applying for loans. If you don't know your credit card thoroughly before, it may be overdue for reasons such as handling fees, and your credit record may be in a bad position if you are not careful.