1. Impact on debt ratio: The formula of debt ratio = (minimum monthly repayment of credit card+monthly repayment of loan) The monthly income of the cardholder, so if the consumption limit of credit card is too high, the debt ratio will rise rapidly, and the bank will review the credit record before lending. If it is found that the credit card overdraft limit is relatively high, the loan limit may be reduced or rejected. A person's income is limited, and he still needs to pay back after spending by credit card. If the amount is too high, the lending institution will think that the borrower is risky, and in order to control the non-performing rate, it will limit the loan. 2. Impact line: Generally speaking, credit card line and loan line are not shared, but separated. Unless it is a credit card loan or installment business, it will be separated from the original credit card limit, so pay attention to whether it is shared. Some banks and financial institutions have made it clear that whether it is a credit card or a loan, borrowers share a total amount. Assuming that there is only 50,000 yuan and the credit card has been used for 30,000 yuan, then the maximum loan is only 20,000 yuan. 3. Impact on credit: Once the credit card is overdue, it will be displayed in the credit report. As long as the credit is tainted, it will affect the loan pass rate, so you must repay on time and maintain a good reputation.