If the credit card is repaid in time, it will not affect the loan review normally. When applying for a personal loan, the lending bank will refer to your credit history comprehensively. If you plan to apply for a personal loan in China Merchants Bank, whether the approval can be passed is comprehensively evaluated based on the business type, personal solvency, credit status and other factors you apply for, and can only be determined after the approval of the handling outlets. I suggest you provide relevant application materials and contact the personal loan department of the local China Merchants Bank outlet for further verification.