According to your account, although your credit card has been overdue for 9 times, the repayment has been normal in the last two years, and you can apply for a mortgage loan if it is not overdue. When bank examiners approve loans, credit cards will refer to the repayment records of the last 24 months. Although it can be handled, it is very likely that the bank will need to issue you a non-malicious breach of contract certificate. It is best to go to the local people's bank to inquire about the personal credit report before handling the mortgage, and remember to bring your ID card.

Classification of prohibited customers in the universal credit report: credit cards in the last 24 months (note: the account status is shown as

"account cancellation" credit card, the last 24 months refers to the inquiry time of the last 24 months, and the account status is shown as follows.

"Normal" credit card, the last 24 months refers to the last 24 months of the settlement year, the same below) G (cancellation of open account) or 4 appears in the repayment status record.

(The minimum repayment amount of the credit card has not been paid for 4 consecutive times, and the quasi-credit card is overdrawn for 9 1- 120 days) and above.