Will Weili Loan affect my credit card application? In fact, the most critical question as to whether Weilidai will affect the application of a credit card is whether this loan product will be subject to credit checks and credit citations. 1. Credit check: Weilidai is WeBank’s first consumer credit product. It is issued by WeBank. When opening Weilidai, you need to authorize a credit check. However, it is not as easy as many people think. Instead of checking the credit only when the loan is opened, a loan approval inquiry record will be left on the credit report. 2. Go to the credit report: If you open Weilidai and borrow money, the credit report will show Weilidai’s loan record. It should be noted that many lending institutions that submit credit reports only report the actual borrowing amount, while Weilidai directly reports the total credit limit, regardless of your actual borrowing amount. For example, if you only borrow 3,000 yuan on a Weili loan with an amount of 50,000 yuan, your credit report will show that you borrowed 50,000 yuan. Having said so much, the point is actually that Weilidai is based on credit checks and credit reports, and the amount borrowed will increase personal liabilities. It's fine if it's used normally, but if it becomes overdue during use and affects your personal credit, it won't be that easy to apply for a credit card. In addition, if the credit limit of Weilidai is too high, the bank will think that the applicant's debt is too high, and it will worry about the applicant's insufficient repayment ability and the credit card will be in default. Due to risk considerations, the bank will be cautious in approving the card. Therefore, if you don’t have any special needs, it’s better not to use Weilidai.