There is a certain relationship between handling credit cards and loans, but there is no conflict. When handling credit card use, you must repay on time, do not have overdue records, and maintain a good credit status. If the credit card has an overdue record, it may affect the loan to buy a house. If there is no overdue record on the credit card, the credit status has been good, which is completely harmless to the future mortgage.

Credit card profile:

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

Credit cards are classified as follows:

Credit cards are divided into credit cards and quasi-credit cards.

1. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay;

2. A quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit.

Definition of loan:

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

The repayment method of the loan is as follows:

(1) Equal repayment of principal and interest:

That is, the sum of the principal and interest of the loan is repaid by equal monthly repayment. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;

(2) Repayment of equal principal:

In other words, the borrower will distribute the loan amount to each installment (month) evenly throughout the repayment period, and pay off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;