Because a credit card has an expiration date, it can't be used after it expires, and a new card is needed. In this case, the bank will automatically send the credit card to the billing address.

After credit card consumption is phased, if each installment is repaid on time and the debt ratio is not high, it will not affect the user's mortgage approval. After the installment, the user has overdue records, and the existing liabilities exceed the personal debt ratio by 50%. At this time, it will directly affect the results of mortgage review, because banks have great risks in lending to users. After the user's credit card completes the consumption installment, it is necessary to ensure that each installment can be repaid on time, so as not to affect the application for other loans.