According to the information provided, 13 overdue credit cards will significantly affect the success rate of mortgage loan applications. Here are the detailed instructions:

1. First, during the credit evaluation process, banks and financial institutions look at the applicant's credit history, including past credit card repayments.

2. Overdue credit cards indicate that the applicant has not repaid debts on time in past borrowings, which has a negative impact on the applicant's credit record.

3. A large number of overdue credit cards shows that the applicant has poor repayment ability and may be regarded as a high-risk customer.

4. In home loan applications, banks usually consider the applicant's credit status more carefully, especially the past repayment record.

5. An increase in the number of overdue credit cards will reduce the applicant's chances of successfully obtaining a mortgage loan.

Summary: Based on the information provided, having a credit card overdue 13 times will significantly reduce the chances of a successful mortgage loan application. Banks and financial institutions focus on an applicant's credit history, especially past repayments, in their credit assessment. An overdue credit card indicates that the applicant has poor repayment ability and may be considered a high-risk customer.

Extended information: Overdue credit cards will have a long-term impact on personal credit records and may lead to a decline in credit ratings. The greater the number of delinquencies, the greater the possible reduction in credit rating. When applying for a home loan, banks usually pay attention to the applicant's credit profile, including credit score, debt situation and repayment history. A good credit history helps improve an applicant's chances of getting a loan and may make the interest rate more competitive.

Additional information: In addition to the number of credit card overdue dates, other factors can also affect the outcome of a mortgage loan application. For example, the applicant's income status, employment stability, debt ratio, etc. are all factors that banks will consider. If the applicant has advantages in other areas, such as a good income and a low debt ratio, this may help offset the negative impact of an overdue credit card, but it still cannot completely eliminate its impact.

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