Delayed credit card payments will affect the user's personal credit problems, and in serious cases will have a serious impact on future credit card applications, loans (car loans, home loans). If the borrower is only occasionally late and pays in full and on time thereafter, then there is no impact on the loan, and the applicant can also apply for a real estate loan after he or she meets the relevant loan conditions.

If the applicant has serious credit delinquency, then it will definitely affect the future application for a mortgage, according to the bank regulations, if the borrower has three consecutive or accumulated six or more bad credit records within two years, then he will not be able to apply for a loan.

Because you are not very clear, it is best to ask the customer service staff, if the situation is not very serious can be processed loans.