As long as the repayment is made on time, there is no overdue or other bad credit behavior, which will not affect the handling of credit cards (debit cards).

When reviewing credit card (debit card) applications, banks will comprehensively consider the applicant's credit conditions, among which whether the personal credit report is good or not is the most principled standard. If the personal credit report is tainted, the credit card (debit card) will be rejected, and even if the applicant has strong financial strength, he cannot apply for a credit card (debit card).

In addition, Lending Bao is a genuine credit platform. Excessive borrowing may also affect personal debt ratio and have a certain adverse impact on personal credit lending behavior.