1. Credit record is damaged: overdue credit cards will be recorded in personal credit reports, which will have a negative impact on applying for loans to buy a house in the future. Banks and lending institutions usually check applicants' credit records and credit scores, and bad credit behavior shown by overdue credit cards may lead to the rejection of loan applications or the increase of interest rates.
2. Increased debt burden: overdue credit cards mean that there are outstanding debts, which will affect the personal debt level. When buying a house with a loan, banks and lending institutions usually evaluate the applicant's debt burden. Overdue credit cards may make the debt burden too heavy, thus affecting the approval of housing loans.
3. Persistent impact of bad credit records: The impact of overdue credit cards is not limited to the overdue period, but may last for some time. Even if it is paid off after the deadline, the bad credit record may remain in the credit report for a period of time, which will have a long-term impact on the loan to buy a house.
To sum up, overdue credit cards may have an impact on the loan to buy a house. Overdue credit cards will damage personal credit records, increase the debt burden, and may continue to affect the loan application results. Therefore, before buying a house, we should reasonably manage the use of credit cards to ensure timely repayment, so as to maintain a good personal credit record.
Extended data:
According to China's credit system, in China's credit report, personal credit record is one of the bases for banks and lending institutions to judge the applicant's credit status. Credit card overdue will be recorded in the basic database of personal credit information of China People's Bank, which is a part of bad credit record. Banks and lending institutions will require individuals to provide personal credit reports and review their credit records when reviewing loan applications. Therefore, the overdue credit card may have an adverse impact on the loan to buy a house.
Please note that the above is for reference only, and the actual impact still varies according to personal circumstances and bank policies. For more specific suggestions and information, it is recommended to consult relevant financial institutions or professionals.