If the personal debt ratio is not high and the user meets the requirements for mortgage application, it shows that the user has strong repayment ability and the probability of applying for mortgage approval is relatively high.
For banks, users have strong repayment ability and are credit card users. These users belong to high-quality customers, and banks are more willing to lend to such users.
Of course, when users apply for a mortgage, if the bank asks to pay off the arrears of the credit card, they must pay off the arrears according to the requirements of the bank, otherwise they will not be able to pass the mortgage review.
brief introduction
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
Refer to the above? Baidu encyclopedia-credit card