1. Does credit card debt affect the mortgage?

Credit card debt and overdue credit card are two concepts.

Credit card debt will generally require you to pay it back temporarily, and then use the credit card again after the mortgage is reviewed.

However, it is difficult to pass the overdue credit card review, and even if it passes, it will give you a higher mortgage interest.

Therefore, cherish your credit and dribs and drabs

2.

Credit card debt and overdue credit card debt are two concepts. Generally, you will be required to pay it back temporarily, and then use the credit card again after the mortgage is reviewed. However, it is difficult to pass the mortgage review, and even if it passes, it will give you higher mortgage interest.

Third, will credit card debt affect the mortgage?

For credit card loans, the bank mainly examines your financial strength and repayment ability. As long as your credit card is in normal use, there is no overdue and bad credit record, and a little debt will not affect your loan application.

if the credit card is in arrears and has a bad credit record due to overdue repayment of the credit card, don't cancel the card in a hurry. You may not know that the cancellation of bad credit records of credit cards will not be eliminated. It is suggested to pay off the arrears immediately to avoid interest. For credit card bills with a large amount that cannot be paid off at one time, it is relatively cost-effective to repay them in installments to avoid overdue credit cards.

If the credit card is not repaid in installments, the impact will be more serious. If it is not repaid in three installments, it is recommended to repay the money on time in the future, otherwise it will be blacklisted by the bank, and if it is serious, it will be blacklisted by the bank. Impact of credit card non-repayment:

It will have an impact on future credit card application and the interest on future loan repayment;

it will affect the normal use of credit cards and may be frozen and stopped;

if it is overdue, it will be blacklisted by the bank and become a black account, and it will not be possible to apply for a loan directly in the future;

It will have an impact on the amount of loans for buying houses and cars in the future;

if you don't pay back the money you owe, you are likely to be paid by the bank.