The reasons are as follows:

1. Credit history: Online lending is a kind of lending behavior, and overdue or bad repayment records will have a negative impact on personal credit history and lower credit rating.

2. Credit score: Credit card applications usually need to evaluate the applicant's credit status through a credit score system. Overdue or bad records of online loans may lower the credit score and reduce the chances of obtaining credit card approval.

3. Consideration of repayment ability: Banks usually consider the applicant's repayment ability when reviewing credit card applications. If there is a large amount of online loan debt, it may be considered that the repayment pressure is high, thus affecting the success rate of credit card application.

conclusion:

in the case of online loans, handling credit cards may be affected to some extent. Overdue or bad repayment records will damage credit records and scores, while higher liabilities may be regarded as insufficient repayment ability. Therefore, before handling credit cards, it is recommended to properly manage online loans and ensure timely repayment to maintain a good credit status.

Extended information:

China's personal credit system evaluates personal credit status based on personal credit records and credit scores. In addition to online lending, other factors such as bank lending and credit card use will also have an impact on personal credit. It is suggested that individuals reasonably plan their borrowing needs and repay them on time to maintain a good credit rating.