When you have too many credit cards, it may have an impact on your mortgage application. To solve this problem, you first need to understand your personal credit situation.

Just do a quick search on Beijian. Click Query and enter the information to query your own credit data, including personal credit status, Internet black index score, blacklist status, online loan application records, application platform type, whether it is overdue, overdue amount, and credit card and online loan credit Estimated amount and other important data information. With this information, you can better understand your current credit situation so you can take action to improve your financial situation.

For the situation of too many credit cards, the following methods can be used to alleviate the problems affecting the mortgage loan:

1. Adjust the credit card limit. Consider reducing your credit card limit or closing some credit cards.

2. Try to reduce credit card overdrafts. High credit card overdrafts will have a negative impact on your personal credit, so try to avoid overdrafts.

3. Timely repayment. Timely repayment is one of the keys to maintaining personal credit, and you must not default on credit card repayments to avoid overdue payments.

4. Optimize personal credit. You can optimize your personal credit in a variety of ways, including regularly checking your credit report and improving your credit card usage and borrowing history.

In short, if you want to avoid the impact of credit cards on your mortgage, you first need to ensure that your credit record is good. I hope the above information can provide you with some reference,