You don't have to pay off your credit card debt to get a mortgage. Banks will review the applicant's credit report, income flow and liabilities when reviewing the house purchase loan. If there are other loans outstanding, the bank will increase the requirements for income flow.

However, some banks are strict in examination and pay more attention to outstanding loans. In order to improve the success rate of loan approval, the applicant had better settle other loans in advance. In case the mortgage fails, it is really a very troublesome thing.

How does the Postal Savings Bank handle credit cards (debit cards)?

1. mobile banking: download the mobile app of Postal Savings Bank, click "Credit Card", select the card type, click "Apply", check "Agree" under the credit card (debit card) agreement, enter relevant information and submit the application.

2. Bank counter: Just bring your ID card, proof of income, proof of financial resources and other materials required by the bank to apply at the bank counter.

3. official website: Search for "Postal Bank of China official website", select "Credit Card", click on the card I want to apply for, fill in the relevant information after selecting the card type, and then click Submit.

4. WeChat official account: Pay attention to the official WeChat account of "China Postal Savings Bank", select "Ding Me", click Apply/Activate, then click "I want to apply for a card" to select the card type, fill in the relevant information and submit it.

What are the requirements for applying for a credit card (debit card) of the Postal Savings Bank?

Post bank credit card (debit card) application conditions:

MasterCard-

1 over1Chinese mainland residents under 8 years old and under 60 years old;

2. Have full capacity for civil conduct;

3. Stable job and income;

4. Valid identity documents;

5. Non-locals need to have proof of residence;

6. No bad credit record.

Supplementary card—

1,/kloc-Chinese mainland residents over 0/6 and under 60;

2. User identification and master card number shall be provided.

What about the credit card (debit card) of the Postal Savings Bank?

1. Online banking: log in to the online banking of Postal Savings Bank, click "Credit Card (Debit Card) Application" on the home page, select the credit card (Debit Card) you want to apply for according to the page, click "Apply" and enter relevant information.

2. Mobile banking: Click "Investment and Finance" and "More", select "I want to apply for a card" and click "Apply for a credit card (debit card)".

3. Bank outlets: Applicants can bring ID cards, proof of work income or proof of assets to the postal bank outlets.

4. WeChat official account: Pay attention to the public account of "Postal Credit Card (Debit Card)", click "Ding Me", select "Apply/Activate", click "I want to apply for a card", select the credit card (Debit Card) you want to apply for on the page, click "Apply" and enter relevant information.

5. Mobile app: Download the Postal Savings Credit Card (Credit Card) APP, click Select, select the application card, click the credit card (credit card) master card application, select the card you like, and click I want to apply for a card.

How to apply for a credit card (debit card) of the Postal Savings Bank?

1. Online application: materials can be submitted according to the requirements of official website, mobile banking and WeChat official accounts of Postal Savings Bank;

2. Application for outlets: Users need to bring their valid personal identification documents to apply at bank outlets.

If the user has a car, the amount of card approval may be higher. Users can also provide more personal financial proof, such as housing proof and personal income proof. , which also helps to increase the credit card (debit card) quota.

Post Bank Credit Card (Debit Card) Handling Conditions

Post Bank credit card (debit card) processing conditions are as follows:

1. age: the applicant for the main card is between 18 and 60 years old and has full capacity for civil conduct; Supplementary card applicants are between the ages of 16 and 60.

2. Income: There must be a stable income from work, usually requiring a salary of 6 months or more.

3. Credit: Personal credit is good, and there is no loans overdue record or credit card (debit card) overdue record.

4. Proof: Second-generation ID card, proof of residence is required for non-local accounts.

Let's stop here for the introduction of the mortgage credit card of the Postal Savings Bank.