You can apply for a mortgage. Although your credit card was overdue 9 times 4 or 5 years ago, and the maximum amount was 490 yuan, you are still using your credit card and the situation is normal. Here are some detailed instructions:

First of all, although there are overdue records, the number of overdues is not large, and the maximum overdue amount is low, which shows that you have good performance in managing your finances.

Secondly, you are still using your credit card and can repay it on time. This shows that you have a consistent source of income and good financial planning skills.

Third, overdue credit card records will gradually reduce their impact on credit scores after a period of time. If you can maintain a good repayment record, your credit score will gradually improve, increasing your credit reliability.

To sum up, although you have had some credit card overdue records in the past, because you are still using your credit card and the situation is normal, and your continued good repayment record can improve your credit score, you have a certain chance of applying. To mortgage.

Additional information: Mortgage approval and credit score are one of the related factors. When applying for a mortgage, banks usually evaluate the applicant's credit status, including personal credit history, income status and financial stability. Credit card overdue records are one of the important reference factors. However, banks will consider various factors when approving home loans, such as the applicant's income status, debt burden, etc. Therefore, overdue records are not a decisive factor, but one of the indicators for assessing credit reliability.

Please note that the above answers are speculations based on general conditions and conventional approval standards. Specific mortgage application results may also be affected by other factors, such as the policies and requirements of the selected financial institution. It is recommended that you consult with your bank or financial institution for more accurate information and guidance.