First of all, although there are overdue records, there are not many overdue times and the maximum overdue amount is low, which shows that you have performed well in financial management.
Secondly, at present, you are still using a credit card, and you can repay in time. This shows that you have a continuous source of income and good financial planning ability.
Third, overdue credit card records will gradually reduce the impact on credit score after a period of time. If you can keep a good repayment record, your credit score will gradually improve and your credit reliability will also increase.
To sum up, although there have been some overdue records of credit cards in the past, because you are still using credit cards, the situation is normal, and you have a certain chance to apply for a mortgage, and continuous good repayment records can improve your credit score.
Supplementary information: mortgage approval and credit score are one of the related factors. When applying for a mortgage, banks usually evaluate the applicant's credit status, including personal credit history, income status and financial stability. The overdue record of credit card is one of the important reference factors. However, banks will consider various factors when approving mortgage loans, such as the applicant's income and debt burden, so overdue records are not decisive factors, but one of the indicators to evaluate credit reliability.
Please note that the above answers are based on general conditions and general approval criteria. The specific mortgage application results may also be affected by other factors, such as the policies and requirements of the selected financial institutions. I suggest you consult a bank or financial institution for more accurate information and guidance.