2. It can be said that if you apply for a credit card and use it reasonably for a long time, it will be good for your credit record and future loans in CCB, but if you don't apply for a credit card, you won't get extra points or less points at most.

3. Loans from banks, whether car loans, mortgages, credit cards or other commercial loans, are the process of accumulating credit. However, mortgage is a mortgage loan, and credit card is a pre-paid credit card, which is nothing more than your personal total credit limit. Generally, credit cards are small loans, which will not affect your mortgage.