Credit card will not affect the loan as long as it is not overdue, but it depends on the loan amount and the debt of the credit card. If the debt of the credit card is relatively high and the cardholder still needs to apply for a credit card loan, it may not pass very well. If it applies for a mortgage loan, it will have no effect. The information for handling credit loans and mortgage loans is as follows:

Credit loan:

ID card, work certificate, company phone number, etc.

mortgage loan: id card, household registration book, marriage certificate, income certificate, bank account, property right certificate, land certificate (provided information of both husband and wife when married).