It will not affect the application for home purchase loans.

Detailed instructions:

1. When a credit card account is overdue, it will only have a greater impact on the credit record if it is not paid off for more than 90 days. negative impact.

2. The number and duration of overdue repayments are important indicators for assessing credit risk, but only if overdue payments exceed 90 days and occur frequently will it seriously affect the credit score.

3. Since you have only two months of overdue accounts in 5 years, and all of them were paid off within 90 days, this is relatively normal repayment behavior.

4. When banks or other financial institutions approve home purchase loans, in addition to credit history, they will also consider factors such as the applicant's income, assets, and other debts.

5. Therefore, if there are only a few months of overdue payments and they are paid off within 90 days, they will generally have less impact on the application for home purchase loans.

Summary: Two months of overdue credit card accounts, but they are all paid off within 90 days, will not have a significant negative impact on the application for a home purchase loan.