Will too much credit affect the loan? Too much credit means that there are too many credit cards in the name of the loan applicant, the total credit limit is high, or the loan credit limit is high. In this case, if the applicant's credit card has many large consumption records, or has handled installment business , and borrowing a lot of loans will make the lending institution feel that the applicant's debt ratio is too high. Under normal circumstances, if a person's debt ratio exceeds 50, it will be more troublesome to borrow again. In order to reduce risks, lending institutions will not be willing to lend again. Secondly, too much credit often means that the loan applicant has more debts, and the risk of overdue will increase accordingly. If the debt is overdue due to poor management, it will affect the credit report and make it difficult to apply for a loan. It will also increase. Furthermore, if there is too much credit, usually the loan applicant will have a lot of credit inquiry records. When formal lending institutions grant a credit limit, they need to inquire about the applicant's credit. This type of hard inquiry record , if there are many times in a short period of time, the lending institution will feel that the applicant is short of money and will be unwilling to approve the loan. Will having too much credit affect the loan? If you simply have too much credit, you can get a large loan amount, but you don’t have much debt to your name, and your credit report is good, you have a stable job and source of income, or you can provide proof of your repayment ability. If you have strong assets and can meet the other requirements of the lending institution, you can still apply for a loan.