Answer: First of all, there is no connection between mortgage and credit card, which is the task for banks to increase credit card users; Secondly, if you don't want to use this credit card, you don't have to activate it, but if the bank requires it, you'd better do it, otherwise your mortgage may be affected.

Extended data:

1. Credit card, also called debit card. It is a non-cash transaction payment method and a simple credit service. A credit card is a credit certificate issued by a commercial bank or a credit card company to eligible consumers. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits. Credit card authorization: the merchant and the bank confirm that the credit card is valid and contact the bank for authorization according to the contract signed with the issuing bank. Authorization is the amount that can be used to further prove the identity of the cardholder. Authorization is generally carried out when the usage specified in the contract is exceeded. After receiving the authorization notice, the issuing bank will issue an authorization instruction according to the balance of the cardholder's deposit account and the agreement that the bank allows overdraft, and reply whether to agree to the transaction.

2. It has nothing to do with applying for mortgage and credit card. This is because banks want to increase the number of credit card users. If your mortgage has been settled, don't activate it if you don't want to use a credit card. If your mortgage has not been processed, the bank still requires you to activate your credit card, so you can only do it, otherwise the mortgage may be affected. Judging from the current situation, applying for a credit card is a bundled consumption behavior of some local branches, and it is by no means a necessary step to apply for a mortgage. Applying for a mortgage to apply for a credit card is mainly to help banks increase the amount of credit cards issued, which is not directly related to the mortgage. However, for friends who need to apply for a mortgage, they may have to choose to compromise. In fact, handling credit cards also has many advantages, such as: you can gradually accumulate your own credit through credit cards, paving the way for handling financial business in the future; By using credit cards, everyone can enjoy some preferential activities of cooperative merchants and save daily expenses; Credit card overdraft. To relieve their current economic pressure.