1. Does mortgage help to apply for a credit card?
There must be this, but it depends on the bank.
Although mortgage is also a personal debt, it is also a strong financial proof. Compared with cardholders who don't have any assets in their names, banks will definitely be willing to approve cards, but it is best to apply for a credit card from the same bank as collateral, so that the card processing rate will be higher.
A card friend once said that he applied for a CCB credit card online after taking out a mortgage at CCB, and gave it to him without telephone review and face-to-face signing.
2. Does overdue mortgage affect the use of credit cards?
Nowadays, credit cards have passed the era when users are king. After many banks have a large number of credit card customers, they will inevitably screen out some inferior customers to seal their cards and reduce the amount. Therefore, they will manage the loans of issued credit cards from time to time, and understand the repayment ability and credit situation of cardholders by checking the credit report.
We know that overdue mortgage will leave a bad credit record on the credit report. Once discovered by the bank, the cardholder's repayment ability will be questioned. For risk reasons, banks will not easily increase the credit card quota, and even terminate the use of credit cards by reducing the quota or sealing the card.
Especially after the mortgage is overdue, the cardholder overdraws the credit card, and the repayment ability is not strong, which is more likely to happen. What should be reminded here is that the consequences of overdue mortgage are far more than just affecting the use of credit cards. In the worst case, the house may be repossessed by the bank. After loans overdue, everyone should pay back immediately. Don't come to this easily.