It has an impact, but not much as long as you have good credit for repayment.

Expanding credit card impact on loans

With or without a credit card you can take out a loan, but having a credit card pro credit history will affect the loan needed, or even the bank will not approve the loan.

Loans need credit, although in China, at present, the role of credit cards is not very big, but with the subprime mortgage crisis, many banks in the customer asked for a loan, to provide their credit proof. So is proof of credit proof of property? No. Proof of credit generally refers to the repayment records of credit cards or some loans (e.g. mortgage). It doesn't mean those so-called income proof, real estate proof and so on, because those are property proofs, which come to prove that the customer failed to repay the loan in the specified time, but still has something to pledge to the bank, so that the bank won't lose money.

Since the customer has a credit card in his hand, the bank is bound to know about it because credit card repayment records are stored and generalized at the bank, even if the bank where you are going to get the loan is not the bank where you have the credit card in your hand.

So a good credit card record is a big help in getting a loan.