1 It can be mortgaged, but it is best not to handle it at China Merchants Bank. You have paid off all overdue credit cards, but due to the long overdue time, your credit in the bank credit information system still has a certain impact, but it has been paid off, which will not have much impact. Your current income meets the basic conditions of mortgage, but it is best not to apply for a loan at China Merchants Bank. Although your situation will generally not affect the loan, the internal control of China Merchants Bank is better than other big banks. It's not worth saying that someone should be serious. But if you are in another bank, after you repay the loan, other banks will not pay too much attention to this information, so the loan is very likely to succeed.