Whether applying for a mortgage with a credit card will have an impact depends on the specific situation: if the number of credit cards held by households is too large, resulting in excessive debt, it may seriously affect the approval of mortgage loans in the future. In this regard, it is recommended to find a way to pay off the credit card debt first (try to pay more if it is not finished for a while), and then try to apply for a mortgage after the debt is reduced.

if a credit card is overdue and a bad credit record is left in the personal credit report, you can't get a mortgage in the short term. Because banks will definitely check personal credit information when reviewing mortgages, and if they find that customers have overdue bad information in their credit information, they will of course be worried about the high risk of lending, and then refuse to approve loans.

if you only hold a benchmark credit card, your debt is not high, and you have not experienced any bad behaviors such as overdue repayment or illegal cashing, it will generally not have much impact on the subsequent application for mortgage. At that time, as long as the customer maintains a good personal credit and can provide sufficient economic income data to prove that he has the ability to repay the principal and interest of the loan on time, the mortgage will generally be approved smoothly.