Bank experts answer: If it is a small credit card, such as 23,000, applying for a mortgage is basically negligible, unless it is hundreds of thousands or millions.

3. The impact on credit cards after handling credit loans.

Bank experts replied: almost none, and the credit loan amount is relatively small. It is helpful to apply for a credit card if the repayment is normal.

4. Do 4.PBOC and CBRC have an upper limit on personal credit card credit? If so, what is the upper limit?

The bank expert replied: there is no clear upper limit.

5. If the credit card is not opened, will I take credit? It is useless to apply for a credit loan. Does it need credit?

Bank experts answer: it does not occupy credit, but it is recommended that you cancel your card, which may result in an annual fee that you don't know and affect your credit record.