If the mortgage is overdue for 5 times, you can apply for a credit card, but it will have a certain impact on the credit card approval.

The Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident.

More than 5 years, should be deleted.

Relevant departments will generally give priority to recent consumption and repayment records when handling new business.