According to the relevant regulations, personal credit records include credit cards and loans, and applying for credit cards will also have a certain impact on personal credit records. But there is no direct conflict between applying for a credit card and applying for a loan to buy a car. Specifically, when applying for a credit card and a loan to buy a car, you need to comprehensively consider personal credit history, income status, loan demand and other factors. When personal credit status is good, the loan pass rate and credit card limit will increase. However, it should be noted that with the establishment of the credit report of 100 banks, the overdue situation of personal online loans will inevitably affect the credit record, so we must think twice before you act.

If you are not sure about your personal credit status, you can search "Zhicha" and click Query, and enter the information to get the credit data of 100 banks.