Credit card limit has nothing to do with mortgage. Credit card limit refers to how much money you can use. For example, the credit card limit is 20,000 yuan, and now you have used 10000 yuan, so your current available limit is 2- 1 = 10000 yuan. If you pay back the bank 10000 yuan before the repayment date next month, your credit card limit will be restored to 20000 yuan. Then you can also return it in advance. Generally, as long as you pay back the money, the available quota will be restored immediately. Housing loans generally need to be applied separately, not linked to your other credit cards. The relationship between the two is that your credit card is well used and there is no overdue repayment, which shows that your credit is high. Easier to get a mortgage.