Influence.

The average monthly use of more than 40,000 credit cards has an impact on mortgage applicants, because banks will review applicants' credit card usage, which is also an important factor in banks reviewing loan applications. If the average monthly usage limit of a credit card is high, the bank may consider the loan difficult to repay and reject the loan application.

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit.