Answer: First of all, there is no connection between applying for a mortgage loan and applying for a credit card. This is the bank’s task to increase credit card users; secondly, if you don’t want to use this credit card, you don’t have to activate it, but you must do it if the bank requires it. It's best to do it, otherwise it may affect your mortgage loan application.

Extended information:

1. Credit Card (Credit Card), also called credit card. It is a non-cash transaction payment method and a simple credit service. A credit card is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit. Authorization of credit card: The merchant and bank confirm that the credit card is valid, and contact the bank to request authorization according to the contract signed with the card issuer. Authorization is to further confirm the cardholder's identity and the amount that can be used. Authorization is generally made when the usage amount specified in the contract is exceeded. After receiving the authorization notice, the card-issuing bank will issue an authorization instruction based on the deposit balance of the cardholder's deposit account and the bank's agreement to allow overdraft, and reply whether it agrees to conduct the transaction.

2. Applying for a mortgage has nothing to do with applying for a credit card. This is done by banks to increase credit card users. If your mortgage loan has already been processed, don’t activate it if you don’t want to use your credit card. If your mortgage loan has not been processed yet and the bank still requires you to activate your credit card, you have to comply. Otherwise, your mortgage loan may be affected. Judging from the current situation, applying for a credit card in order to apply for a mortgage loan is a bundled consumption behavior of some local branches, and is by no means a necessary step for applying for a mortgage loan. The practice of applying for a credit card when applying for a mortgage loan is mainly to help banks increase the number of credit cards issued, and has no direct relationship with applying for a mortgage loan. However, for friends who need to apply for a mortgage, they may have to choose to compromise. In fact, there are many benefits to applying for a credit card, such as: you can gradually accumulate your credit through a credit card, paving the way for future financial services; by using a credit card, you can enjoy some preferential activities of cooperative merchants and save daily expenses; Overdraft via credit card. to relieve your current financial pressure.