The reason is.
1. Every time you apply for a credit card, the number of credit card approvals and the number of credit card accounts will be counted in the credit report. This is some objective information, but if it is too much, it will be considered by commercial banks as economic tension, which is not conducive to the approval of housing loans.
2. Too many credit cards means that there will be many risks of overdue repayment. If there are many overdue repayment records of credit cards in the past, the credit rating of the cardholder of this credit card in the bank will drop sharply, and it will also be truthfully recorded in the personal credit report, which is unfavorable for the approval of housing loans.
3. Many commercial banks will not only evaluate the personal credit status and work income, but also comprehensively consider the accumulated liabilities of borrowers, including those caused by too many credit cards. If the credit card is the same as the mortgage bank, the bank may be more cautious when approving the mortgage quota.
Therefore, too many credit cards still have many potential effects on housing loans, especially in the initial stage of mortgage application, it is better to control the application and use of credit cards as much as possible.
Although many online loans do not need credit reporting now, every small loan platform cooperates with third-party credit reporting platforms. If a platform is overdue or fails to repay, the third-party platform that cooperates with it will record this situation. Later, when applying for loans on other small loan platforms, it is difficult to pass the examination. In order to control your big data status in time, you can get accurate and complete big data reports on Lan Bing data.
Extended data:
How much credit card debt will affect the mortgage?
If credit card debt and monthly mortgage repayment exceed half of the user's bank flow, credit card debt will affect the mortgage at this time.
Even if credit card debt has a great impact on mortgage, banks may require users to pay off credit card debt in advance before applying for mortgage.
Banks have not made any additional requirements. Usually, credit card debt does not affect the mortgage.
In fact, users can choose to pay off their previous debts as much as possible before applying for a mortgage, which is conducive to improving the pass rate of mortgage review.