Answer: The credit card is overdue for four or five years and only 100 yuan has been paid back in full. This should not have an impact on the approval of commercial mortgage loans.

Details:

1. Overdue situation: The customer's credit card has been overdue in the past four or five years, but the remaining unpaid amount is only 100 yuan.

2. Repayment status: The customer has gone to the bank and repaid the outstanding amount of 100 yuan in full.

3. Credit record improvement: Since the overdue issue has been resolved, the customer's credit record will begin to gradually improve.

4. Impact on commercial mortgage loan approval: Because the overdue amount is small and has been repaid in full, this overdue event should not have a significant negative impact on commercial mortgage loan approval.

Summary:

The credit card is overdue for four or five years, but only 100 yuan has been outstanding. The customer has repaid the outstanding amount, which will have little or no impact on the commercial mortgage loan approval. However, continuing to maintain a good credit history and credit score is the key to obtaining better loan terms.

Extended information:

Overdue records will have a certain impact on credit scores and credit records. When approving a commercial mortgage loan, banks or financial institutions usually consider the applicant's past credit record as a basis for decision-making. Delinquencies may be considered bad credit, and longer delinquencies may have a greater impact on your credit score. However, this impact is not absolute and other factors need to be considered, such as income, debt ratio, etc. Each bank and financial institution also has different standards and policies when approving loans.

Supplementary information:

If the customer has other overdue or default records in addition to the overdue record, and the overdue amount is large, it may have a more serious impact on the approval of the commercial mortgage loan. influence. In addition, loan approval is affected by other factors such as the customer's income stability, employment status and debt load. The final conclusion still needs to be determined based on the actual situation and the policies of the specific bank or financial institution.