Yes, you can apply for a mortgage if your credit card is overdue but has been paid off. The following is a specific explanation:

1. Although overdue credit card repayments will have a negative impact on personal credit records, as long as the debt has been paid off and the overdue status is removed, generally it will not have much impact on the application for a mortgage loan. Big impact.

2. For banks, the borrower’s repayment ability and credit history will mainly be considered when applying for a home loan. Overdue credit card payments will leave traces on the credit record and may result in a lower credit score. However, as long as the borrower has paid off all overdue payments and maintained a good credit record thereafter, in the long run, the overdue record will be beneficial to the application. The impact of home loans will gradually decrease.

3. In addition, when applying for a mortgage loan, factors such as the borrower's income, job stability, and mortgage repayment ability need to be comprehensively considered. If the borrower is otherwise good, the impact of late credit card payments may be treated relatively leniently by banks.

In short, if your credit card is overdue but has been paid off, it is still possible to apply for a mortgage. However, it should be noted that banks will comprehensively consider the borrower's credit record and repayment ability. Therefore, before applying for a mortgage loan, it is recommended to maintain a good repayment record and improve your credit score to increase the probability of successful application.

Extended information:

1. Personal credit record will include the repayment status of various borrowing behaviors such as credit cards, loans, mortgages, car loans, etc. Late repayments will have a negative impact on your personal credit history and may result in a lower credit score.

2. Personal credit records can be queried and managed through the Central Bank’s Credit Reference Center. Banks will refer to personal credit records when approving loans.

3. Home loan refers to a loan generated by an individual borrowing money from a bank or other financial institution to purchase a house. To apply for a home loan, you need to meet the bank's loan conditions and be able to repay on time.

The above are the answers and related explanations about whether you can apply for a mortgage if your credit card is overdue. Hope it helps.