Credit cards are overdue for no more than four times a year, no more than six times in two years, and no more than three months in a row, which does not affect the mortgage.

It is suggested that if the credit card has overdue records, it is recommended to continue to use the card, and generally search the credit records within 2 years. If it is overdue, the card will be cancelled directly after it is paid off. This overdue record will be kept in the credit report for 5 years, and will be cleared after 5 years.