Legal analysis: the overdue credit card is likely to affect your future mortgage application. Banks will refer to the number of overdue loans in the past two years when approving loans. Under normal circumstances, it will be difficult for couples to obtain loans if they are overdue for three consecutive times or six times in two years.

Legal basis: Measures for the Administration of Credit Cards in People's Republic of China (PRC).

Article 20 The overdraft business of each card-issuing bank shall be managed according to its credit scale. Overdraft is transferred to short-term loan accounting.

Article 21 Malicious overdraft refers to the overdraft behavior of the cardholder for the purpose of illegal possession, which exceeds the prescribed limit or time limit and is invalid after collection by the card bank.