First of all, whether it is a personal loan or an online loan, in principle, it does not affect the handling of personal credit cards. At the same time, online loans are also divided into credit reporting and credit reporting. If the online loan under your name doesn't even have credit, it won't affect the credit card application.
Secondly, according to my experience in applying for a credit card. Credit card application mainly depends on these aspects: personal credit information, personal qualification, personal assets and debt ratio.
Personal Credit Information: Generally speaking, as long as personal credit information is not overdue beyond the number of times specified by the bank, the requirements of each bank are different, and there is no absolute uniform number of times. Some said it three times and some said it six times before. Later, I saw that those who were overdue for almost 10 times also applied for credit cards. So the number of overdue here is somewhat uncertain. Let's look at the "mood" of the issuing bank at that time! Yes, "mood". Of course, if there is a serious bad overdue, don't count on it. Banks don't do charity and don't issue cards to everyone. Otherwise, what's the use of writing letters?
Personal qualifications: There is a lot of information here, including personal age, gender, place of origin, household registration, education, work, even behavior habits, bank flow and so on. All belong to the qualification examination. I won't go into details here. If you need to know more, you can also ask questions in the comments section, and I can also give some detailed answers.
Personal assets: this is very important. Personal assets mainly refer to real estate, automobile production and other real estate. Of course, whether real estate and automobile products are mortgaged has little effect. But if it is the full amount, it will definitely help the credit card approval amount. In short, it will be much easier to apply for a credit card as long as you have personal assets.
Debt ratio: how do you say it here? What I don't understand at present is whether the debt ratio affects the approval of credit cards, or how much? When it comes to debt ratio, it is necessary to return to online lending. Whether it is a loan from an offline bank finance company or a loan from an online platform. They are all personal liabilities and will also be included in the personal debt ratio. Of course, this must mainly refer to credit reporting, otherwise the bank can't find it. If banks should take this into account when approving credit cards, it cannot be said that online loans have no impact on credit card approval. If the number of online loans under the personal name is too many and the personal income has affected the repayment ability, then credit cards will definitely not be approved.
Therefore, it can also be said that online lending will not directly affect the handling of credit cards. However, if the online loan amount is too large, banks will definitely have a certain impact on card issuance and quota approval when considering your personal repayment ability.