Yes, your outstanding credit card amount can affect your personal loan approval from another bank. When you apply for a personal loan, banks assess your creditworthiness using your credit report, which includes all existing debts like credit card dues. A high outstanding amount may lower your credit score and increase your debt-to-income ratio, making you appear riskier to lenders. This could result in loan rejection, a lower approved amount, or higher interest rates. To improve your chances, it's best to reduce your credit card balance before applying.