If it is a credit card of China Merchants Bank, if it can be repaid in full and on time, it will have no impact on the credit investigation. If you plan to apply for a personal housing loan in our bank, the final approval can only be determined after comprehensive evaluation based on the business type, personal solvency, credit status and other factors you apply for, and after the approval of the handling outlets. I suggest you provide relevant application materials and contact the personal loan department of local outlets for further verification.