SLOAN AND SPAY LATER LATE PAYMENTS

Hi, I just want to know kung makaka-affect ba sa credit score ko ang sloan at spaylater? I’m planning kasi na mag apply for credit card sa BPI, ang kaso kasi almost 7-10 months ang late fees ko sa sloan at spaylater due to financial crisis these past few months, nagsesend na ang bernales then already field visit me once na rin po pero recently na bayaran ko naman na both, fully paid na lahat pero hindi ko na siya magamit since restricted and locked na which is fine lang naman sakin, gusto ko lang malaman if after a year.. let’s say next year or by 2026, I’ll apply for credit card sa traditional banks will it still affect parin ba?