Legal analysis: Yes. As long as your personal credit card does not have bad records such as late repayments, it will not affect your mortgage application.

Legal basis: "The People's Republic of China and the Civil Code"

Article 524: If the debtor fails to perform his debt and a third party has a legitimate interest in performing the debt, A third party has the right to perform performance on behalf of the creditor; however, this shall not be the case where performance can only be performed by the debtor based on the nature of the debt, agreement between the parties, or legal provisions.

After the creditor accepts the third party's performance, its creditor's rights against the debtor are transferred to the third party, unless otherwise agreed between the debtor and the third party.

Article 581: If one party fails to perform its debt or the performance of the debt does not comply with the agreement and cannot be compulsorily performed due to the nature of the debt, the other party may request that it bear the costs of performance by a third party.