Legal analysis: Credit card overdue will affect the mortgage, but the degree of influence needs to be measured according to the overdue situation. Under normal circumstances, when applying for a mortgage, the bank will look at the applicant's credit status in the past two years. If the applicant is overdue for three or six times in two years, he can't apply for a mortgage. The borrower has the willingness and ability to repay, the borrower has a good credit status, no major bad credit record, and other conditions required by the lender.

Legal basis: Article 675 of the Civil Code of People's Republic of China (PRC) stipulates that the borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.