When applying for a mortgage loan with a credit card debt of 200,000, the credit card debt is generally required not to exceed 70%. That is to say, if the credit card limit is 30,000 yuan, the remaining amount to be repaid cannot exceed 30,000 × 70% = 21,000 yuan. If you owe a credit card, you cannot buy a house with a mortgage. Whether it is a credit card or a loan from another lending institution, as long as it is overdue You cannot buy a house with a mortgage, and you can only buy a house after the overdue record is eliminated.