No bank stipulates that the credit card debt must be paid off before handling the mortgage, but some banks will calculate the credit card debt as a liability when calculating the mortgage approval amount, so the mortgage amount will be reduced. Therefore, if the credit card debt is large, it is best to pay back the credit card first and then apply for a mortgage.

In addition, it is best not to use the minimum repayment amount for the three-phase credit card bill before handling the mortgage, because the minimum repayment amount means that the cardholder's repayment ability is not very strong, so the bank will doubt whether you can repay on time when approving the mortgage.