On the one hand, mortgage and credit card are closely related, and both require applicants to have good credit information and economic strength; On the other hand, bank mortgage and personal credit loan are separate. Having a mortgage will not affect the credit card amount, because the credit card amount depends on the comprehensive score of the bank.

However, if the customer who applies for a credit card has a mortgage, it can also reflect from the side that you have collateral or are a very potential customer, because the application and review of a mortgage will be much stricter than that of a credit card. If your mortgage is settled, it will be easier to apply for a credit card as long as your credit information is good, and the amount of payment will be higher than that without a mortgage.

How to apply for a credit card

Whether there is a mortgage or not has no effect on how to apply for a credit card limit, as long as the applicant meets the conditions for applying for a card and provides the corresponding materials to the bank.

1, basic conditions

The applicant must be at least 18 years old but under 65 years old and have full capacity for civil conduct;

Personal credit information is good, and applicants with mortgage needs have no overdue records.

2. Necessary materials

The applicant's valid identity documents can be resident ID card, military officer's card (police officer's card), soldier's card, Hong Kong and Macao residents' pass to and from the mainland, Taiwan Province compatriots' pass to and from the mainland, foreign passports, etc.

Work certificate: work certificate and income certificate issued by the unit;

Proof of financial resources: If you have a mortgage, you can provide a copy of the real estate license, in addition, the vehicle driving license, large deposit documents, etc.