If your credit card application is successful, and the credit card has not expired within six months, it will not affect the bank's loan to you. There is no conflict between the two. And as far as I know, if you have a credit card and keep good consumption habits and credit records, it will also help you apply for a loan. Because a good credit consumption record can make you get an excellent credit record in the credit information system, and the loan depends on your credit record, so it is beneficial to the loan. And after you get a credit card, the more times you use it and the more money you spend, the higher your personal credit will be. So it mainly depends on how the landlord uses the credit card. The above is the information I have learned. I hope my answer can help the landlord!