It will definitely have an impact, because this information will be recorded in your credit report, but if it has been out for more than five years, I suggest you apply for a credit card first. It doesn't matter if the quantity is small. As long as you can get a card, make good use of it, repay it on time, and get more cards after half a year. After that, if you use all those credit cards well, your credit history will be improved and it will be much easier to apply for loans in the future!