Judging from the current situation, "credit card is needed for mortgage" is a bundled consumption behavior of some local branches, and it is by no means a necessary step for mortgage. The practice of "applying for a mortgage requires a credit card" is mainly to help banks increase the number of credit cards issued, which is not directly related to applying for a mortgage. However, for friends who need to apply for a mortgage, they may have to choose to compromise.

Actually, it's not a bad thing to get a credit card. Credit cards can bring many benefits to everyone, such as:

1, you can gradually accumulate your own credit through credit cards to pave the way for future financial business;

2. By using credit cards, you can enjoy some preferential activities of cooperative businesses and save daily living expenses;

3. Credit card overdraft. In order to alleviate their current economic pressure, generally speaking, "applying for credit card mortgage loan" is the sales strategy of Zhong Yi Bank. If it is really unacceptable to everyone, then we can only change to a bank that does not need a credit card to apply for a loan.