If you have a credit card loan, you can also apply for a loan to buy a house, as long as the credit card debt is small and the personal debt ratio is not high, and the customer meets the loan requirements put forward by the bank. General banks have requirements for mortgage loans, such as age, repayment ability and personal credit. Eligible applicants can successfully apply for mortgage loans and will not be affected by credit card arrears.

However, if the customer owes a lot of credit cards, resulting in a high personal debt ratio, then in this case, the bank may refuse to approve the loan for fear that the customer's repayment ability is insufficient.