First of all, most banks will investigate the applicant's credit status when approving mortgage loans. As a credit tool, credit card is used by banks to evaluate the credit status of applicants by checking their usage records and repayment. If the credit card has bad records such as overdue and arrears, it may have a negative impact on mortgage approval.
Secondly, when applying for a mortgage, the bank will pay attention to the repayment ability of the applicant. If the applicant holds multiple credit cards at the same time and overuses them, the monthly repayment burden will be heavy, which may affect the evaluation of the applicant's repayment ability. The bank may think that the applicant is already heavily in debt and is skeptical about the repayment ability of the mortgage.
In addition, the use of credit cards will also increase the debt burden of applicants. Banks will refer to the applicant's debt burden ratio when approving mortgage loans, that is, the ratio of the applicant's current debt to income. If the applicant's credit card has a high amount and is used frequently, it may lead to an increase in the proportion of debt burden and have a negative impact on the approval of mortgage loans.
To sum up, credit cards will have a certain impact on applying for mortgages. In order to improve the pass rate of applying for mortgage loans, applicants are advised to manage credit cards reasonably, maintain a good credit record and repayment ability, avoid excessive use of credit cards, and control the debt burden ratio.
In addition, for friends who have problems with online loan big data, they can use the online loan big data query system of "Beijian Quick Check" to accurately understand the problems existing in their online loan big data, solve them in time and improve their personal credit status.