With more and more people buying houses, many people buy houses by applying for mortgages. During the period of applying for a mortgage, many people are worried that using a credit card will affect their mortgage application. So can they use credit cards while applying for a mortgage?

Can I use a credit card when applying for a mortgage loan?

Credit cards can be used during the mortgage application period, but the premise is that there can be no overdue use of credit cards during the mortgage application period, and the credit information cannot be affected because of overdue. If the credit information is affected, and personal credit information is the most important in the mortgage application, it is likely that the mortgage application will be rejected after there is a problem with the credit information, so as long as the credit card is used normally, the mortgage application will not be affected.

In addition, in the process of applying for a mortgage, the applicant had better not let the debt ratio be too high, because the high debt ratio indicates that the repayment ability is not strong. In order to prevent the loan risk, the mortgage application may be rejected, so it is best not to get too high debt, so as not to affect the mortgage application.