There are many conveniences in using credit cards in daily life, such as enjoying bank discounts and taking advantage of the interest-free period for financial management. However, there are also many people who want to apply for a credit card without having one. Many of them have borrowed small loans and are worried that it will affect the credit card approval. So, will any small loan credit card be approved? Let’s briefly introduce it today.

Will any credit cards be approved for small loans? Everyone should know that credit card review will check the applicant's credit report. If the small loan borrowed has a record on the credit report, it will have an impact on the credit card approval. As for whether the card will be approved, it depends on the specific circumstances of the small loan record. Perform analysis. Usually credit card approval will evaluate the applicant's credit and liabilities to determine whether he or she has the willingness and ability to repay, in order to infer the risk of default. If the small loan listed on the credit report has been repaid on time, and the amount owed is not large, and the monthly repayment is relatively small, it means that the applicant has a good willingness to repay, the repayment ability is relatively stable, and the risk of default is small , the card may be approved; on the other hand, if the small loan is overdue, you owe a lot, and you have to use most of your income to repay the loan every month, the risk of default is high, and the card will most likely be rejected. Regardless of whether the credit card is approved or not, credit card approval records will be left on the credit report. Too many times will mess up the credit report, which is not conducive to subsequent loan applications. Therefore, it is best for applicants not to blindly apply for a credit card. Before applying for a card, you should check your credit score, evaluate the lending risk based on your credit and debt situation, and then apply for a card when you are confident. Considering that different banks have different application thresholds for credit cards, try to choose a bank with business dealings, such as a payroll card issuer, a bank with deposits, etc., to increase the card approval rate. The above is the relevant introduction to "Will any small loan credit cards be approved?" In short, applying for a credit card will not completely deny the applicant just because he has a small loan. As for whether the card can be approved, it will be subject to the bank's approval results. If you are rejected, do not apply frequently. It is recommended to spend at least 3 months to improve the deficiencies, so that the approval rate for the next time you apply for a card will be higher.