Detailed description:

1. Although it is a bad credit record that the bank card is overdue for 6 months, the impact on buying a house will be alleviated to some extent because it is finally paid off.

2. The good record of Guangfa Credit Card shows that you have a good performance in financial management, which is conducive to loan application.

3. When buying a house, the bank will comprehensively consider multiple factors, including credit history and income status. Although the card overdue record exists, it is still possible to get a loan if you perform well in other aspects.

4. If the problem information is insufficient, suppose that other conditions supplement the information: suppose that your income is stable, you can meet the housing loan conditions, and there are no other serious credit problems, and the loan opportunities are greater.

5. Summary: Although the overdue bank card will have a certain impact on the loan application, if other credit records are good, such as Guangfa Credit Card's good performance, stable income and meeting the loan conditions, there is still a greater chance to get a loan.