according to the information you provided, the bank approved your mortgage application, but it was called back when the loan was released, and the interest rose by 1%. Under normal circumstances, the lending time depends on several factors.

first of all, the number of overdue credit cards may extend the loan time. As you have 7 overdue records, the bank may need more time to review your credit status to ensure that you can repay the loan on time.

Secondly, the lending time is also affected by the internal operation process of the bank. Although the loan officer indicated that it had been submitted to the Head Office, the Head Office may still need to conduct further review and approval procedures to ensure that the loan complies with relevant policies and regulations.

Finally, a quick loan usually requires the borrower to provide complete materials and accurate information. If your application materials are incomplete or the information is incorrect, the bank may need extra time to contact you and ask for additional information.

to sum up, due to overdue credit cards and other possible factors, the time for mortgage lending has been delayed. It is suggested that you keep in touch with the bank to know the specific loan progress, and at the same time ensure that accurate and complete application materials are provided to speed up the loan process.