Credit cards will not affect the loan to buy a house. Since the borrower has applied for a credit card, it means that there is a debt. As long as the debt will not cause a significant increase in personal debt, the borrower can apply for a housing loan normally. And even if the credit card loan affects the mortgage loan, as long as the loan is paid off in full and on time, the borrower can still continue to apply for a mortgage loan. Therefore, as long as the credit card loan is not overdue, it will not affect the housing loan. If the credit card loan is overdue, the user's credit will be affected and he will not be able to apply for a mortgage.

Adverse consequences of overdue credit cards:

① If the credit card is overdue and not returned, first there will be a late payment fee of 5% of the unpaid portion from low to high, as well as the full amount of the bill. The amount of penalty interest, a daily interest rate of 0.05%, is calculated from the day of consumption, and compound interest is calculated monthly until it is paid off. In serious cases, a bad credit record will be generated in the bank's credit reporting system.

② If the credit card is overdue for more than six times, or the overdue time is more than three months, or the bank has called for more than two times and still has not repaid, the bank will first freeze the credit card, and then the customer will be listed by the bank. Once you are on the blacklist, you will no longer be able to apply for credit cards or any loans.