can credit card standing or status affects visa application?

Yes, credit card standing will definitely affect your Visa application. Your credit card standing shows how responsible you are as a person -- if you take responsibility of the things you put on your credit and pay for them, then your credit card company will consider you as a responsible citizen. On the other hand, you'll get bad reviews. If you're applying for a Visa, what also helps is a long standing bank account -- a bank account that has been on your name for a period of years (a decade, for example). This is something you can't fake, which is why it's a good source of credibility.

hi iamsolucky^^;; im lucky09 could be, if you declare your credit cards as one of your assets and they could trace your records. that is for tourist or student visa that i know since it may show that you don't have the financial ability to travel abroad nor study when you have debts even here. what visa are you applying for?