56 years old is no problem. General banks stipulate that the loan term and the borrower's age should not exceed 60, depending on the local banking policy.

Your credit card is overdue because you consulted the bank or someone told you. You'd better consult the bank yourself. Generally, overdue credit cards will not have much impact on loans.

At present, few banks are doing direct mortgage of automobiles, usually through guarantee companies.

Information is ID card, household registration book, marriage certificate, real estate license, income certificate, bank account, car purchase contract, etc.

It is mainly to check whether you have enough repayment sources and whether your willingness to repay is good and stable.