Legal analysis: you can apply for a mortgage if your credit card is overdue, but if it is overdue in the credit report, it will make the bank doubt your credit and have a certain impact on the loan amount. If the credit card is overdue for 3-6 times or more, and the overdue time is long, you cannot get a mortgage loan.

Legal basis: Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions: (1) The borrower is a citizen of People's Republic of China (PRC) (hereinafter referred to as China) with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.