Legal analysis: Generally speaking, it doesn't affect being a soldier, but a malicious overdraft constitutes a crime of credit card fraud and is investigated for criminal responsibility, so you can't be a soldier. If the credit card is maliciously overdrawn for more than 10,000 yuan, and the cardholder fails to return it for more than three months after being urged twice by the issuing bank for the purpose of illegal possession, criminal responsibility shall be investigated for the crime of credit card fraud.

Legal basis: Article 5 of the Regulations on Political Review of Conscription includes: age, household registration, occupation, political outlook, religious belief, education level, realistic performance and political status of major family members and major social relations members. The political review of conscription should focus on the actual performance of citizens who apply for enlistment.