But it does matter. If you have many credit cards and then go to the bank for a loan, the credit card amount will affect the loan amount.
When a bank gives you a loan, it will generally consider your monthly income, salary, family situation, debt situation, guarantee to others, etc. This credit card will be included in the debt. If you have many credit cards, the bank will look at the total amount of all your credit cards, the maximum overdraft amount of each credit card and the overdraft frequency. If the credit card overdraws a lot, the bank will think you have too much debt and then reduce your loan amount.
On the contrary, if you have a loan and then apply for a credit card, the bank will look at the repayment period of your loan and whether the loan is overdue. If the loan is normal and never overdue, the bank will think you are a quality customer. If the loan amount is not very large, the bank will issue you a credit card with a good amount.
It is worth mentioning that if you borrow a lot of money, the bank will generally ask you to issue a household registration book, a driving book, a green paper on motor vehicles, a running bank account and a corporate account to comprehensively calculate your credit card limit. If there is something wrong with the account, you will be refused to issue the card.
In another case, if you have only a few loans, never overdue, normal repayment, no bad credit record, and are the staff of administrative institutions, state-owned enterprises and central enterprises, then you will be included in the list of high-quality customers that banks give priority to, and many credit cards with good credit lines will be granted to you.
for reference only
Credit card is a kind of faith. Please standardize the use of cards, repay bank debts in time, and be an honest and law-abiding citizen.