Yes.

During the loan approval period, using credit cards will increase personal debt.

Once personal debt increases, it will affect the personal repayment ability, and the loan being applied for will be at risk of being overdue. Therefore, the use of credit cards during the loan review period will affect the loan review results. However, if your personal debt ratio is not high or your personal repayment ability is strong, you can use your credit card normally when applying for a loan.