You can still buy a house if your credit card is overdue, but in different serious situations, it may have a certain impact on the purchase of a house.

Normally, if there is a credit card balance that is not repaid, a certain late payment fee will be incurred to a certain extent. The late payment fee is calculated from the day of consumption. If it is overdue more than 6 times, or the overdue time exceeds three months, the bank may freeze the credit card and the customer will also be involved. In the blacklist, if you want to buy a house loan at this time, it will be more difficult, but if you purchase the house with the full payment, it will not have much impact.

If you want to improve the overdue credit card situation and improve your personal credit score, you can start with the bank’s bad record update time. Usually, the bad record update time is five years, which means that after five years , the bank and other relevant credit reporting agencies will clear the overdue record of the credit card, but the premise is that the outstanding balance on the credit card must still be paid off.