1. Having a mortgage does not affect the application for a credit card. The next bank will analyze and score the comprehensive qualifications of the applicant.

2. The scoring criteria will include the applicant's security support score and economic support score. Among them, the score of economic support includes the monthly debt repayment, and the higher the monthly debt, the lower the monthly score. The score of security support includes the score of housing rights, and the score of private purchase of houses is high, while the score is low. Therefore, the scores of the two factors can basically offset each other, and the simple debt does not affect the credit card application.