It is impossible to determine whether the specific circumstances of China Merchants Credit Card overdue 1 1 times will affect the application for housing loan. In this case, it is recommended that you contact the relevant financial institutions or banks for consultation to understand the loan conditions and approval criteria. Here are some factors that may need to be considered:

1. overdue times: 1 1 overdue times is a relatively high number, which may have a negative impact on credit records. When a bank approves a loan, it usually evaluates the applicant's credit status, including overdue times, overdue amount and overdue time.

2. Repayment status: Clearing overdue funds is a positive behavior, indicating that you are willing to pay off debts. This may be seen by the bank as evidence that you have improved your financial situation.

3. Other factors: In addition to the number of overdue credit cards, there are other factors that may affect the loan application, such as income stability, work status, debt burden and personal assets.

To sum up, although China Merchants Credit Card is overdue 1 1 times, it is not conducive to applying for housing loans. However, if we can actively improve the credit status and meet other loan requirements, it is still possible to obtain loan approval. The final decision will depend on the specific lending institutions and approval criteria.

Please remember that the above are just general suggestions, and the specific situation may be different due to bank policies and personal credit status. It is recommended that you consult a professional financial institution or bank for accurate information and guidance.