Can both husband and wife borrow money to buy a house if they have a credit card?
it depends. Personal credit card overdraft or deposit and withdrawal will not affect the mortgage application as long as there is no bad record such as overdue repayment, and you can borrow directly to buy a house. However, if the credit card has a bad repayment record, it will affect the application for mortgage. If the credit card is overdue, it can't even apply for a house loan.