Legal analysis: Legal. There are many credit cards under the user's name, and they are all large-value credit cards. At this time, the credit card limit will affect the loan approval, because the credit card is regarded as liability information by the lending institution. If you only have one or a few credit cards, and the credit card limit is not large, it will not affect your loan at this time. With a credit card record, the user will not become a credit scoreless user, and the lending institution will be able to better evaluate the user.

Legal basis: "Several Opinions of the Supreme People's Court on the Trial of Lending Cases by People's Courts" Article 6 The interest rate for private lending can be appropriately higher than the interest rate of banks, and the people's courts in various places can specify the rates based on the actual conditions of the region. Control, but the maximum shall not exceed four times the interest rate of similar bank loans (including the principal amount of interest rate). If this limit is exceeded, the excess interest will not be protected.