A single overdue credit card may have an impact on your loan. This impact can be detailed in the following aspects:

1. Damage to credit history: late payment will lead to a record of late payment on the credit card account, which will leave a negative mark on the personal credit report records. Banks and other financial institutions often refer to credit reports when reviewing personal loan applications, and a history of past dues may have an adverse impact on a borrower's credit rating.

2. Credit Rating Downgrade: Credit ratings are calculated based on information in an individual’s credit report. Late payments can lower an individual's credit rating, meaning the borrower's credit risk may increase. A lower credit rating can result in a loan application being rejected, or a higher interest rate when getting a loan.

3. Borrowing conditions deteriorate: Even if the loan application is approved, late repayment may cause the borrowing conditions to deteriorate. Banks may require borrowers to provide more security or charge higher interest rates as compensation for the risk. Late payments indicate a poor track record of a borrower managing their finances, which puts them at a more disadvantaged position in obtaining a loan.

To sum up, one overdue credit card may have a negative impact on the loan. Late payments can harm an individual’s credit history and rating, exposing borrowers to greater risks and disadvantages in loan applications.

Extended information:

Overdue repayment refers to the failure to repay in full according to the payment date stipulated in the credit card contract. In China, late repayment usually results in penalty interest, late fees or other liquidated damages. Banks also report overdue payments to credit bureaus, which can have long-term effects on an individual's credit history. Therefore, timely repayment is crucial to maintaining a good credit history and credit rating.