Usually not. If you have a good credit card usage record, it will also help to improve your credit. Of course, on the other hand, if it is too much, it will have a little impact on personal assets and liabilities. This is my personal understanding, and the details are not clear. You'd better consult the loan officer. Ha ha. . .

Second, will too many credit cards affect the mortgage?

Too many credit cards really affect the mortgage. For example, to do credit, you need to check the personal credit report, and the number of credit inquiries of multiple credit cards will increase, which will give people a feeling of tight bank funds. In addition, multiple credit cards are difficult to manage. If you don't repay on time, it is very easy to be overdue. When the credit card is overdue too many times or the overdue amount is high, your application for mortgage will be rejected.

In addition, multiple credit cards invisibly increase the debt ratio of loan applicants. Banks usually require a monthly income of twice the monthly payment. When multiple credit cards are in repayment status, the bank can inquire about the current debt situation of the applicant according to the records of the credit report. If the debt ratio is greater than 50%, then the application for mortgage will also be rejected.

3. Will too many credit cards affect the loan?

There are too many credit cards. As long as it is used normally, there is no overdue phenomenon and the repayment is normal, it will generally not affect the loan.

Information that an individual needs to provide when applying for a bank loan:

(1) loan application;

(2) The original and photocopy of the husband and wife's ID card (personal ID card), household registration book and marriage certificate;

(3) The co-owner of the property agrees to the loan;

(4) information such as husband and wife's occupation (individual occupation), income certificate and family property status (work certificate, bank account, property right certificate, vehicle driving license, etc.). );

⑤ Certificate of fixed place (real estate license and water, electricity, gas and other documents in the last three months);

⑥ Loan contract.