Detailed description:

1. The credit report shows that it is overdue for 16 months in recent five years, of which 7 months are overdue for more than 90 days. This has a certain negative impact on credit records.

2. Although the debt was paid off and the credit card was cancelled on 20 16, the previous overdue status may still have an impact on the credit evaluation.

You successfully applied for four credit cards on 20 18, which shows that your credit status has improved recently.

4. When preparing to buy a house and apply for a mortgage, the bank will comprehensively consider your credit history, income, job stability and other factors to evaluate your repayment ability and risk level.

If your recent credit performance is good and you have a stable source of income, the bank may be inclined to approve your mortgage application.

Summary:

Based on your recent success in obtaining multiple credit cards and paying off your debts before buying a house, it is expected that you will apply for a mortgage loan. But whether it is finally approved or not depends on other factors, such as income and job stability.

Extended data:

Credit report is an important basis for banks and financial institutions to evaluate personal credit risk. It records personal credit cards, loans, overdue records and other information. When approving a mortgage, the bank will carefully review the applicant's credit report and judge whether to approve the loan in combination with other factors.

I suggest you check your credit report regularly before applying for a mortgage to ensure that you have good credit performance in the near future, such as timely repayment and avoiding overdue. In addition, you can consult a number of banks to understand the specific requirements of different institutions for credit records, and increase the chances of successful approval.