under normal circumstances, as long as the credit card is not overdue and the credit information is good, an empty card will not directly affect the mortgage. However, we all know that banks are strict in approving mortgage loans. In addition to checking the applicant's credit information, the applicant's repayment ability and debt ratio are also key factors.

The approval of bank mortgage is mainly based on the credit report and income level to judge whether the borrower has enough repayment ability. If all the credit cards are emptied, it means that the debt is relatively high, which will affect the approval of bank mortgage. If you buy a house and apply for bank mortgage, it is best to pay off all the credit card debts. If you can't pay off the credit card debt, it's ok to have enough income and assets to offset the debt. The mortgage in my name belongs to the Postal Savings Bank. When I applied for a mortgage, many credit cards were not paid off, and the mortgage was still approved.