legal analysis: it will affect. If the cardholder's credit card is overdue once or twice, and the overdue amount is not large and will be returned within a short time, the bank will still be willing to issue loans for him, but the loan interest rate will be raised or the approved loan amount will be lowered.

Legal basis: Measures for the Supervision and Administration of Credit Card Business of Commercial Banks Article 18 In addition to the conditions stipulated in Article 17, commercial banks should also meet the following conditions: (1) The registered capital is paid-in capital, and it is not less than RMB 5 million or equivalent convertible currency; (2) It has a good foundation for handling retail business, the scale and business structure of personal deposit and loan business are stable in the last three years, the customer scale and customer structure of personal deposit and loan business are good, the bank card business is running well, and the connection and use of identity document verification system and credit information system are good; (3) It has a professional system for handling credit card business, and has established professional operation infrastructures such as card issuing business mainframe, credit card business application management system, credit evaluation management system, credit card account management system, credit card transaction authorization system, credit card transaction monitoring and counterfeit transaction early warning system, credit card customer service center system and collection business management system in China, and the relevant facilities have passed the necessary safety inspection and business test, which can guarantee the integrity and safety of customer data and business data; (4) It conforms to the overall business strategy and development plan of the commercial bank, is conducive to improving the overall business competitiveness, and can continuously carry out business cost measurement, business scale monitoring and basic break-even calculation according to the actual situation of business development.