Yes, the failure to apply for a mortgage may be related to credit cards. Specifically:

1. Credit score: Banks usually look at the applicant's credit score when approving a home loan. If an applicant has a low credit score, he or she may be considered a greater credit risk, resulting in the home loan application being rejected.

2. Credit card overdraft: If the applicant's credit card is overdrafted, the bank may consider the applicant's financial situation to be unstable, which will affect the success rate of the mortgage loan application.

3. Credit record: Banks will also pay attention to the applicant's credit record, including overdue records and defaults. Banks may have reservations about an applicant's home loan application if they have bad credit records in the past.

To sum up, the use and repayment of credit cards have an important impact on mortgage applications. By having a good credit score, no overdrafts and a good credit history, you can increase the likelihood of a successful home loan application.

Extended information:

According to China's financial regulatory policies, banks will comprehensively consider the applicant's personal credit situation when approving loans. The credit scoring system is jointly issued by the People's Bank of China and the State Administration of Foreign Exchange and is used to assess personal credit risks. As a common credit tool, credit card usage and repayment can reflect the applicant's repayment ability and credit history, thereby affecting the mortgage application. Therefore, before applying for a mortgage, it is recommended to use credit cards rationally and repay them on time to maintain a good credit record.

Summary:

The failure to apply for a mortgage may be related to credit cards. Banks will look at applicants' credit scores, credit card overdrafts, and credit history. A good credit score, no overdrafts and a good credit history can help increase the chances of a home loan application being successful.

The above answers are based on China’s financial regulatory policies and common approval practices.