Once the mortgage loan is overdue, the credit card may be reduced. Especially after the overdue period is too long, the bank realizes that the cardholder is experiencing an economic crisis and has been unable to repay the mortgage loan. In order to ensure the safety of the funds and prevent the cardholder from illegally cashing out the credit card, the bank will choose to reduce the credit card limit. If the cardholder has multiple overdue records before, triggering the bank's risk control system, it is possible for the bank to directly block the cardholder's credit card. If it only happens once in a while, the impact won't be that big.

Action suggestions:

1. After receiving the monthly credit card statement, you must pay the minimum repayment amount during the repayment period. It is best if you can pay off the entire overdraft in time. , if you really have difficulty in capital turnover, it is best to pay the minimum repayment amount. This can at least reduce the serious losses due to interest rates and fines, and prevent your late payment fees and penalty interest from getting bigger and bigger.

2. The credit card has expired, which may cause a stain on the credit record. Do not ignore it or treat it negatively. You must actively take correct measures to save it. If you have relevant legal concerns or are already facing legal problems, you can contact a lawyer. Specific consultation.