Overdue credit card installment payments will have an impact on mortgage approval. Once there is an overdue record, it will undoubtedly be a "damage" to your credit record. Bank loans and credit card approvals each have different judgment criteria, among which personal credit record is one of the most important criteria. Therefore, once the overdue record of credit card installment payment is recorded, even if the payment has been paid off, it will have an impact on the personal credit record to a certain extent and increase the possibility of being rejected when applying for a loan.

Don’t take overdue online loans lightly, because in addition to collection, personal credit will also be affected. Especially for online loans with credit bureaus, once there is an overdue record, it will have a serious impact on future bank loans or credit card businesses. Even if online loans cannot be listed on the credit bureau, the data can still be recorded. You can check your online loan history, overdue details, debt status, dishonesty information and online loan blacklist in "Xiao Qixin Check".

To sum up, overdue credit card installment payments may have a negative impact on your mortgage loan application. Therefore, you should strengthen management when using credit card installment payments to ensure timely repayment. In addition, attention should be paid to reasonable planning of personal debts, avoiding overdue and excessive debts as much as possible, and improving the goodness of personal credit records.