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The banks remember everything you ever do with them, so it's fair to assume that this might be reflected in future applications with the same bank. If you come to a reasonable agreement with them up front, it's not likely to hit your credit rating and thus is unlikely to affect applications...

Call the bank and explain what's going on. They have various policies and procedures around dealing with people who are going through a tough period and will try to work with you to come to a solution. If you simply miss your payment, they're not very forgiving.