Credit cards can be used, but mortgage applications may not be passed. The credit card application conditions are different from the mortgage application conditions, and the credit card application threshold is lower than the mortgage application threshold. Mortgage application usually requires the applicant to have good credit information, sufficient ability to repay the principal and interest, sufficient bank liquidity and low debt ratio. As long as any one of them is not met, the mortgage application may not pass.

Therefore, when applying for a mortgage, it is best to prepare all the materials. It would be better if you could submit additional financial proof, which is conducive to the approval of the mortgage.