Canceling a credit card does not necessarily affect your loan. You can still apply for a mortgage.

According to the People's Bank of China Credit Information Center, there is actually no such thing as a "blacklist". Credit reports only objectively record personal credit transaction information and do not give a "good" or "bad" conclusion.

When commercial banks judge a person's credit status, they focus on their recent credit transactions. If a customer occasionally makes late payments, but then repays in full and on time, it is enough to prove that the customer's credit status is developing in a good direction. At present, most commercial banks use six or more overdue repayments as a criterion to determine whether an individual has a bad credit record.

It is worth noting that the "Inquiry Record" item in the credit report will reflect the history of inquiries on the credit report. If over a period of time, the credit report has been inquired by different banks many times due to loan and credit card approvals, etc., but no new loans or credit cards have been obtained during this period, it may mean that the consumer has applied for loans or credit cards from multiple banks but failed to do so. be successful. Such information could have a negative impact on obtaining a new loan or applying for a credit card.