Yes. Credit card swiping will have an impact on the applicant's credit record, especially if the credit card swiping behavior leads to credit card overdrafts, late repayments and other problems. These bad credit records will have a certain indirect impact on the approval results of personal loans. The bank will consider the overall credit status of the applicant in the comprehensive assessment. Therefore, passing the initial review of ICBC loans with a credit card of 5,000 yuan will affect the disbursement.