After credit card consumption is phased, if each installment is repaid on time and the debt ratio is not high, it will not affect the user's mortgage approval. After the installment, the user has overdue records, and the existing liabilities exceed the personal debt ratio by 50%. At this time, it will directly affect the results of mortgage review, because banks have great risks in lending to users. After the user's credit card completes the consumption installment, it is necessary to ensure that each installment can be repaid on time, so as not to affect the application for other loans.
Credit card repayment with automatic deduction from repayment account. On the repayment date, the credit card will deduct the corresponding amount from your bound repayment account, but make sure that the repayment account has enough funds.
1. Bank card refers to a credit payment tool approved by commercial banks (including postal financial institutions) and having all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc. Bank card reduces the circulation of cash and checks, which makes the banking business break through the limitation of time and space and undergo fundamental changes.
Generally speaking, bank cards are divided into credit cards and debit cards according to whether credit lines are granted to cardholders. In addition, bank cards can be divided into magnetic stripe cards and chip cards according to different information carriers; According to whether the issuer is in China, it is divided into domestic cards and overseas cards; According to the different issuing banks, it is divided into personal cards and unit cards; According to the different currencies of accounts, they are divided into RMB cards, foreign currency cards and dual-currency cards.
3. According to the credit status of the cardholder, it can be divided into ordinary cards and ordinary cards with gold cards (1). Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high. (2) gold card. Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.