You can apply for a credit card during the period of repaying the mortgage, as long as it meets the credit card application requirements and is approved by the card issuer.
According to Article 41 of the "Bank Card Management Measures", the card-issuing bank shall carefully examine the credit card applicant's credit status and determine effective guarantees and guarantee methods based on the applicant's credit status. Card-issuing banks should regularly review the credit status of credit card holders and adjust their credit limits based on changes in credit status.
Article 42 The card-issuing bank shall establish an authorization approval system to clarify the authorization authority and authorization limits for internal staff at different levels.
Extended information:
Article 45 of the "Bank Card Management Measures" card-issuing banks shall comply with the following credit card business risk control indicators:
(1) Same The amount of a single overdraft incurred by a cardholder shall not exceed 20,000 yuan (including the equivalent in foreign currency) for personal cards and 50,000 yuan (including the equivalent in foreign currencies) for corporate cards.
(2) The monthly overdraft balance of the same account for personal cards shall not exceed 50,000 yuan (including the equivalent in foreign currencies), and for corporate cards shall not exceed 3% of the card-issuing bank's comprehensive credit limit for the unit. For units that have no comprehensive credit limit to refer to, their monthly overdraft balance shall not exceed 100,000 yuan (including the equivalent in foreign currencies).
(3) The overdraft limit of a foreign currency card shall not exceed 80% of the cardholder’s deposit (including the pledged amount of the savings certificate).
(4) The average monthly overdraft balance that occurs for more than 180 days (including 180 days, the same below) from the date of implementation of these Measures shall not exceed 15% of the average monthly total overdraft balance.
Baidu Encyclopedia - Bank Card Management Measures