According to Weissmai's financial data, non-performing credit card loans do not affect mortgage loans. At present, the bad debts of most bank credit cards refer to the bad debt records generated in the case of overdue debts. Under normal circumstances, the bad debt record of credit card overdue for 3 years or more will not affect the mortgage.

Credit card bad debts actually refer to the accounts receivable that the cardholder has passed the repayment period, and the bank has been unable to recover it after repeated collection, which is in a sluggish state for a long time and may become bad debts.