It will not be directly affected.

Under normal circumstances, as long as the credit card is not overdue and the credit report is good, an empty card will not directly affect the mortgage loan. But we all know that banks are strict in approving mortgage loans. In addition to checking the applicant's credit report, the applicant's repayment ability and debt ratio are also key factors to examine.

The approval of bank mortgage loans is mainly based on the credit report and income level to determine whether the borrower has sufficient repayment ability. If the credit cards are all used up, it means that the debt is relatively high. It will affect the approval of bank mortgage loans. If you buy a house and apply for a bank mortgage loan, it is best to pay off all credit card debts. If you can't pay off your credit card debt, it's okay to have enough income and assets to offset the debt. The mortgage loan in my name is from the Postal Savings Bank. When I applied for the mortgage, I had multiple credit cards that were not paid off, but the mortgage was still approved.