As far as I know, every bank must truthfully report its customers’ credit reports and report their overdue credit card accounts to the People’s Bank of China’s credit reporting system. If your China Construction Bank card is overdue and you pay off the balance and maintain good card usage records every month in the future, then the People's Bank of China credit report will show the credit record for the past 24 months, which means that the good card usage records will be overwritten. Previous overdue records. If you close the account after paying it off, the overdue record will be retained for 5 years.

As for whether it will affect your mortgage loan, it depends on the bank's credit policy. If the mortgage loan fails because of the overdue credit card, it is really not worth the loss. So good personal credit is really important. No matter which bank's credit card you use in the future, you must remember to pay the minimum payment amount on time.