If you do have a loan,
In case of the bank examination,now all the loans you have will affect it.Car loans, cash loans, as well as credit card revolving payments, also keitai are included.
If there are many loans, it is just that, the bank examinatio is NG. Especially if there is only one cash loan, it often becomes NG. Even if there is no loan, there are many credit cards, which is also a negative factor.
It is better not to have credit cards as much as possible.