Hello, the number of cards generally does not directly affect the loan, unless there is a problem with your credit report.

At present, the national unified personal credit information basic database established by the People's Bank of China and organized by commercial banks has been officially launched. Your relevant credit information has been recorded in the database and becomes your credit record. part of. At present, Jiangsu, Sichuan, Chongqing, Beijing, Shandong, Liaoning, Hunan, Guangxi, and Guangdong have launched the central bank's online personal credit report inquiry service pilot. The first two digits of the inquirer's ID number must be 32, 51, 50, 11, 37, 21 , 43, 45, 44. In other cities, you are temporarily required to bring your valid ID and go to the credit reporting department of the local People's Bank of China branch to check your personal credit report (inquiries cannot be made on behalf of you or by phone). For more credit information, please log in to China Check the website of the People's Bank of China at www.pbc.gov.cn. If you think your credit information is incorrect, it’s best to call us as soon as possible: 400-810-8866.

The People's Bank of China stipulates that all card-issuing banks must regularly upload customers' consumption and repayment records and cannot tamper with them. If you apply for a loan/credit card business with China Merchants Bank, our bank will not make any negative comments on your usage records. We will only provide you with truthful feedback on your historical usage records without any subjective judgment.