Using a credit card the right way can actually boost your credit score, which is super important when you're applying for loans. If you're paying off your bills on time and not using more than 30-40% of your credit limit, you're showing that you can handle credit responsibly. This helps you build a solid credit history and makes it easier to get loans at better rates. But, if you're missing payments or maxing out your credit limit, your score will drop, and getting approved for loans will get tougher and more expensive. So, keep those credit card habits in check for better financial deals!