It has nothing to do with your application for a mortgage loan if you have a CCB credit card. But if your credit card has a history of being overdue, it may not be possible whether you will be approved for a mortgage loan. The bank will also review you when you apply for a mortgage. If you have problems with your personal credit, such as being frequently overdue, then whether you can be approved will be subject to review.

So, you must use your credit card rationally, and repay your overdraft on time. Even if you cannot pay the full amount, you must repay the minimum payment on time every month, so that your personal credit will not be affected. However, your consumption does not enjoy the interest-free period. The bank will charge interest on the full amount at 50,000 per day from the date your consumption is recorded.