Legal analysis: Overdue credit cards have an impact on buying a house. However, the extent of the impact needs to be measured specifically based on the overdue situation. Generally, when applying for a mortgage, banks will look at the applicant's credit status in the past two years. If the applicant is overdue three times in a row or six times in total within two years, he or she will not be able to apply for a mortgage loan. When a credit card is overdue, in addition to affecting the individual's mortgage application, late payment fees and overdue interest will also be incurred. If the cardholder repays the card after the bank's grace period, he or she can submit a non-malicious overdue certificate to apply for cancellation of the overdue record.

Legal basis: "Interpretations of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Law in Handling Criminal Cases Obstructing the Management of Credit Cards" Article 6 If any of the following circumstances occurs, it shall be deemed to be Article 196 of the Criminal Law "Purpose of illegal possession" as stipulated in the second paragraph: (1) Overdrafting a large amount of money knowing that one has no ability to repay and cannot return it; (2) Wantlessly squandering the overdrafted funds and being unable to return them; (3) Escape and change after overdrafting contact information, evading bank collection; (4) evading or transferring funds, hiding property, and evading repayment; (5) using overdraft funds to carry out illegal and criminal activities; (6) other illegal possession of funds and refusing to return them .