You can apply for a loan. As long as the user is not overdue in the repayment process, even if the mortgage credit card is not paid off in time, the user can apply for a loan directly.

However, the borrower needs to pay attention to the fact that the bank accounts for the outstanding credit card. When users apply for loans, the amount of credit card arrears will affect the amount of loans they apply for.

Applying for a housing loan is more complicated and stricter than applying for a credit card.