Mortgage loans will not affect credit card applications. Under normal circumstances, the bank will analyze and score the applicant's comprehensive qualifications. The scoring criteria will include the applicant's safety 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 right, the score of private house purchase is high and the score of private house purchase 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.

Process for processing credit cards:

1. Application place:

(1) local bank outlets;

(2) bank credit card center staff;

(3) Some banks support online banking applications;

2. Application conditions:

(1) 18 persons with full capacity;

(2) It has stable repayment ability;

3. Submit the certificate:

(1) ID card;

(2) proof of work or income;

(3) Proof of assets such as real estate and vehicles under my name;

(4) social security card;

(5) Other bank credit cards, etc.

Legal basis:

Article 33 of the Notice on Issuing the Measures for the Administration of Credit Card Business

A company that opens a basic account in a financial institution in People's Republic of China (PRC) (China) may apply for a company card. You can apply for multiple business cards, and the cardholder qualification shall be designated and cancelled in writing by the legal representative of the applicant or his entrusted agent.

Every citizen with full capacity for civil conduct can apply for a personal card. Personal card holders can apply for supplementary cards for their spouses and 18-year-old relatives, and the number of supplementary cards shall not exceed two at most. The holder of the main card has the right to request the cancellation of its supplementary card.

Article 34

Units or individuals applying for credit cards should fill in the application form as required and send it to the issuing bank together with relevant materials. For those who meet the requirements, the issuing bank will open a credit card account for the applicant and issue credit cards.