Influence. According to the query on Hualv.com. If you repay each installment on time after the credit card installment, and there is no overdue record on your credit report, then the credit card installment will not affect the loan. However, if the credit card installment is not paid off, it will have an impact on the approval limit of the mortgage loan. In addition, when assessing a borrower, in addition to personal credit, banks will also consider the borrower's repayment ability. Installment payments using credit cards will be calculated as liabilities. If the debt is too high, it means that the repayment ability is insufficient, which will affect the bank's ability to borrow money. people's evaluation. It is very important to repay your credit card on time after installment. You cannot repay on the repayment date, but you should also try to pay off the debt within the repayment grace period.