Nowadays, many young people like to spend by credit card. This kind of advanced consumption can make people feel very convenient. If you need money in an emergency, you don't have to borrow money. To a great extent, you can avoid the shortage of funds, but you must pay attention to the repayment period when using credit cards. Nowadays, many young people like to spend by credit card. This kind of advanced consumption can make people feel very convenient. If you need money in an emergency, you don't have to borrow money. You can avoid your financial pressure to a great extent, but you must pay attention to the repayment period when using credit cards. Can most of us use credit cards to repay our current mortgage? If the credit card will affect the mortgage once? Watch it with me.

How to use credit card to repay mortgage skillfully

My answer is: The basic steps to repay the mortgage through multiple credit cards are as follows:

1, go to the bank to get enough credit cards first (of course, it depends on your own affordability, and don't be accused of fraud at the end), because you have a real estate license, so each card should have 1? 20 thousand's quota

2. Use your own multiple credit cards to directly repay the mortgage. The method is to cash out all your cards at once and then pay back the credit card arrears. After all, the interest on credit cards is not as high as that on mortgages.

Although this method is feasible at present, it still has some shortcomings. Because banks are increasingly strict in cash management, they are now imposing severe sanctions on customers suspected of cashing out, that is, canceling the application for increasing the quota.

4. In order not to make your credit card interest too high, you need to calculate the repayment dates of various cards, so it should be very complicated to operate. Without an accountant's mind, it is basically impossible to complete such a complicated calculation. Once there is a mistake, it is better to pay the mortgage directly, and finally it is not worth the loss. Therefore, in the end, everyone is more cautious about the problem of repaying mortgages with multiple credit cards.

Does credit card affect mortgage at one time?

1, your credit will be reflected in your credit record, which will have a certain impact on your future application for loans and credit cards.

2. If you only have this situation once, the problem is not very big. I hope you won't have any new bad things in the future.

There is no need to remedy this situation, just don't do it in the future. Bank loans are not only based on personal credit records, but more importantly, personal economic strength and repayment ability.

The above is about how to skillfully use credit cards to repay mortgages. Does credit card affect mortgage at one time? Although you can use a credit card to repay the mortgage, you still need to understand the specific process and pay it back according to the bank's regulations. Don't let this mortgage repayment affect your credit information. Although the credit card will not have much impact on the mortgage at one time, it will be recorded in the credit report. For later loan applications or credit card applications, credit cards are not needed.