Friends who apply for credit cards mainly take a fancy to the function that credit cards can repay in advance, and the biggest advantage of credit cards is that users can overdraw the amount. However, the credit card limit is given by the bank to users, and the limit of each cardholder is different. Excessive overdraft will also bring bad influence to cardholders. So, will the credit card overdraft limit affect the loan? Will the credit card overdraft limit affect the loan? According to the official regulations of the bank, the credit card itself has an overdraft function. Therefore, if the cardholder overdraws the credit card limit properly, it will not affect the loan, but the credit card used has an overdue record, so the cardholder's overdue record will be uploaded to the credit information, which will affect the later loan application. Simply put, overdue credit cards will affect loans, but not overdue ones. Summary: As long as the cardholder has no overdue record, credit card overdraft will not affect the loan. Credit card encourages overdraft consumption. As long as the user has never had a bad credit record of using credit card, it will not have any impact on the loan.