1. It is not necessary to apply for a credit card when applying for a mortgage loan.

2. In fact, applying for a credit card for a house purchase loan is a bundled business of the bank.

3. Applying for a credit card basically does not harm the interests of the customer. Even if the application is completed, it must be activated by the customer before it can be used. Therefore, applying for a mortgage and applying for a credit card can be regarded as unreasonable and reasonable.

4. The word "mortgage" is the Cantonese transliteration of the English "Mortgage", which refers to using real estate and other physical assets or securities, contracts, etc. as collateral to obtain a bank loan and pay off the principal and interest in installments according to the contract. The bank returns the collateral after the loan is repaid. Mortgage means that the mortgagor transfers the property rights of the property to the mortgage beneficiary as a guarantee for repayment. After the mortgagor pays off the loan, the beneficiary immediately transfers the property rights of the property involved to the mortgagor. During this process, the mortgagor enjoys the right to use the property. .