If you owe 100 yuan on your credit card for a year, it will still have an impact on your loan. Unpaid credit card debt can leave negative marks on one's credit report, lowering one's credit score and making loan applications more risky and difficult.

Details:

1. Credit score: Banks and financial institutions often use credit scores to assess an individual's credit standing. Credit scores are calculated based on information in an individual's credit report, including outstanding debts, late payments and default history. Unpaid credit card debt of $100 will be considered a negative record and may result in a drop in your credit score.

2. Loan approval: During the loan application process, banks will consider the applicant's credit status. A lower credit score increases the risk of a loan application because banks may consider the borrower to be uncreditworthy or have repayment issues. This may result in the loan application being rejected or having to pay a higher interest rate.

3. Borrowing Amount and Terms: Even if a loan application is approved, a low credit score may limit the borrowing amount and terms available. Banks may apply stricter approval criteria to borrowers with bad credit and require higher interest rates or additional security.

Summary:

Owing 100 yuan in credit card debt that has not been paid for a year will have a negative impact on the loan application. Unpaid debt can lower your credit score and make loan applications more risky and difficult, including approval difficulties, higher interest rates, and limits on how much you can borrow.

Extended information:

Personal credit score plays an important role in financial services such as loans and credit cards. In addition to credit card debt, other factors such as late payments, default records, multiple loan applications, etc. will also affect your credit score. Maintaining a good credit profile is important to obtain a loan and obtain more favorable interest rate terms.

Note: This answer is based on a general understanding of credit and loans. Specific situations may vary depending on regions, bank policies and other factors. It is recommended to consult your local bank or financial institution for accurate information and guidance.