Answer:

1. Overdue credit cards 14 times will have an impact on commercial loans.

2. Commercial loan approval usually takes into account the applicant's credit status, including credit card repayment history. Even if there are no overdue loans of 60 days or more than 90 days, 14 overdue loans will be regarded as a sign of bad credit.

- Banks look at a borrower's repayment ability and credit history when approving commercial loans.

- Multiple late card payments indicate a poor repayment history and may lower your credit score.

- Past credit performance will have an impact on loan applications, as banks will refer to your credit history over the past few years to assess your willingness and ability to repay.

3. Considering that your credit card is overdue, it may have a certain impact on your loan to buy a house in Tianjin. Banks will consider multiple factors when evaluating your loan application, such as income status, debt burden, credit history, etc. It is recommended that you consult with the relevant bank or financial institution for specific loan conditions and requirements.

4.

Extended information:

- Credit card overdue records are one of the important basis for banks to evaluate your repayment ability and credit status.

- The more overdue credit cards you have, the greater the negative impact on your credit score, which may result in your loan application being rejected or receiving a higher interest rate.

- In addition to credit card overdue, banks will also pay attention to other factors, such as personal income, debt situation, and asset status.

- Having a good credit history and a steady income may increase your chances of being approved for a loan.

5. Summary:

Overdue credit cards 14 times have an impact on commercial loans. Although there are no overdue loans that are 60 days or more than 90 days old, these overdue records can still have a negative impact on your credit score. It is recommended that you conduct detailed consultation with the relevant bank to understand the specific requirements for loan application.

6. Note:

Due to the lack of complete information, the above answers are based on general situations and cannot provide exact answers to personal situations. Specific approval results may vary depending on bank policies, personal conditions and other factors.