To apply for a credit card, three conditions must be met: the age is between 18 and 65 years old, the repayment ability is stable, and the credit report is good. However, you have already taken out a mortgage, which is overdue. When reviewing your information, the bank may regard these as obstacles to your monthly repayment on time. In other words, you may be judged to be unable to meet the monthly repayment requirements, so the pass rate of handling credit cards should not be high.

If you need to apply for a credit card, you'd better provide sufficient financial proof, such as the original or copy of the salary record issued by the bank, the income certificate issued by the unit, the income tax withholding certificate, the self-owned real estate license/house purchase contract/bank mortgage repayment schedule, the self-owned car driving license, and the bank deposit certificate. If you have strong financial resources, it is still possible to apply for a credit card, so you can only suggest trying it, but don't hold out too much hope.