Legal analysis: Overdue credit cards will affect the purchase of a house. This depends on whether you can pay in full. If you do not need a loan, it will definitely not affect the purchase of a house. If you need a loan, because you have a bad credit record before, Therefore, it is difficult to refinance, which will affect the purchase of a house.

Legal basis: "Regulations on the Administration of the Credit Reporting Industry" Article 16 The credit reporting agency's retention period for personal bad information is 5 years from the date of termination of the bad behavior or event; if it exceeds 5 years, should be deleted.

During the retention period of adverse information, the information subject may explain the adverse information, and the credit reporting agency shall record it.