1. What is a blank credit card? The so-called empty credit card mostly means that all the credit limit in the card has been wiped out, or the remaining credit limit is less than 10%. In both cases, it is considered an empty card. In addition, some cardholders will create empty cards by themselves, using an amount of 5 to 10 yuan to repay the debt. For example, suppose the debt amount is 5,000 yuan, but only 500 yuan is paid each time, divided into 10 payments. Doing so will also leave the credit card in an empty card state.
2. Will having an empty credit card affect the mortgage loan? Under normal circumstances, as long as the credit card is not overdue and the credit report is good, empty cards will not directly affect the mortgage loan. But we all know that banks are strict in approving mortgage loans. In addition to checking the applicant's credit report, the applicant's repayment ability and debt ratio are also key factors to examine. And if the credit card is empty for a long time, the most direct impression on the bank is that this person must have insufficient repayment ability. If the funds are not very tight, how could the credit card be empty? There may be risks in approving a loan for him, and it will be troublesome if bad debts arise. So it is conceivable that banks will not easily approve loans. To sum up, although an empty credit card will not directly affect the mortgage loan, it will give the bank the impression that the applicant is strapped for funds. The bank will question the applicant's repayment ability and will not easily approve the loan. Therefore, it is better not to empty your card easily, especially as empty cards are easy to be controlled by banks. If things go on like this, the card will be blocked and the limit will be reduced.