Having a mortgage does not affect the application for a credit card. Under normal circumstances, the bank will analyze and score the applicant's comprehensive qualifications. The scoring criteria will include the applicant's safety support score and economic support score. Among them, the score of economic support includes monthly debt repayment, and the higher the monthly debt, the lower the score; The score of security support category includes the score of housing right, and the score of private house purchase is high, otherwise the score is low. Therefore, the scores of the two factors can basically offset each other, and the simple debt does not affect the credit card application.
In addition, as a bank's loan business, mortgage is closely related to credit card business. When applying for a mortgage, the bank will strictly examine the qualifications of the applicant, and at the same time use the purchased house as a loan mortgage, which is more secure. In the bank's view, applicants who have had mortgages have been proved to have financial status and collateral. Therefore, it is easier to obtain a bank authorization card, and even the credit card amount is higher.
2. Can I apply for a credit card after the loan?
Yes, if you have no bad credit record, you can apply for a credit card. You can't apply for a credit card if you have a bad credit record.
Bank credit card application conditions:
① Age requirements: local residents should be 18-65 years old, and foreigners should be 25-65 years old;
2 job requirements: have a stable work unit, income and fixed residence;
③ Credit requirements: no bad credit record. The supplementary card applicant must be the parent, spouse or child of the main card holder, aged between 16-65.
Bank credit card application materials:
(1) identification information:
Copy of resident identity card or military officer's card; If you are Hong Kong and Macao compatriots, you need to provide a copy of the mainland pass and residence certificate for more than one year; If you are a foreigner, you can provide a copy of your passport and residence permit for more than one year.
② Proof of work and income:
Salary certificate or business card and photo badge.
Proof materials that can prove that you have good economic strength: copy of real estate license and copy of automobile driving license; Copy of bank loan account (good credit, overdue for no more than 60 days) or deposit certificate.
3. Can I apply for a credit card if I have a loan in my name?
If you have a loan in your name, you can apply for an outstanding loan, which does not affect the handling of credit cards.
According to the credit card business regulations of commercial banks, customers who apply for the bank's credit card for the first time are not allowed to issue credit cards by automatic card issuance in the whole process. When using credit cards, we should strictly examine and strengthen risks.
(1) Identity information is information or criminal record;
(2) There is no credit record in the credit information system;
(3) In the credit information system
(four) there are many bank loans or credit card credit records in the credit information system;
(5) Business travel cards and business shopping cards handled by the unit;
(6) Risk information obtained from other channels.
Extended data:
Measures for the supervision and administration of credit card business of commercial banks Article 57 The issuing bank shall specify the specific operation procedures of repaying credit card loans with the relevant assets of the cardholder in the credit card verification, and directly offset the credit card accounts receivable without the authorization of the cardholder. Unless otherwise stipulated by national laws and regulations.
When the issuing bank receives the repayment from the cardholder, all the arrears in the card account will be repaid: all overdue fees 1-90 days (inclusive) will be repaid in the order of principal; If the overdue period exceeds 9 1 day, the principal shall be repaid first, and then the interest or various expenses shall be repaid.