1. Credit record is damaged: the credit card is overdue for one year, indicating that the credit record has had a negative impact. Banks will pay special attention to the borrower's credit record when approving loans. If it finds that the overdue debt has not been paid off, it will think that the borrower's repayment ability is problematic, so it will refuse the loan application.

2. Strict loan approval criteria: Banks and other financial institutions will strictly examine the borrower's credit score and repayment ability when approving loans. If the borrower's credit score is low or the repayment ability is damaged due to overdue debts, the loan cannot be obtained.