You can apply for a mortgage, but it will be subject to some restrictions and impacts.

First of all, multiple overdue credit cards will have a negative impact on your personal credit record. Banks will comprehensively consider the applicant's credit status, including overdue records, when approving home loans. If the credit card is overdue frequently and with a large amount, it may have a significant impact on the applicant's credit rating.

Secondly, banks usually require a personal credit report when approving a home loan. The credit report will record in detail an individual's credit history, including overdue records and repayment status. If a credit card is overdue multiple times, these bad records will leave traces on the credit report, which may cause the bank to hold back on the approval of the mortgage application or require the borrower to provide more security measures.

Finally, since China’s housing loan policies may vary at different times and regions, the specific impact may also vary depending on the policy. Banks in some places may be more lenient on credit card delinquencies, while others may be more strict.

To sum up, although multiple overdue credit cards will have a certain impact on applying for a mortgage loan, it does not mean that it cannot be applied for at all. An individual's credit status and repayment ability are still important factors that banks consider when approving home loans. If there are many overdue credit card records, it is recommended that the borrower actively improves his or her credit status and provides other suitable guarantees or certificates to increase the chance of success in applying for a mortgage loan.