1. First of all, credit card loans overdue five times will have a negative impact on personal credit record.

Secondly, this negative impact may lead to difficulties in applying for housing loans.

In addition, even if you can get a house loan, you may face higher interest rates or restrictions.

Summary: Many overdue credit card loans have a negative impact on the purchase of houses, which may lead to the damage of credit records, difficulties in loan application, and unfavorable interest rates and conditions.

Extended data:

Financial institutions in China tend to offer low interest rates and more favorable loan terms to applicants with good credit records. The credit card loans overdue will lower the personal credit rating, thus reducing the possibility of obtaining preferential loans in the process of buying a house. Especially under the background of strengthening risk control and credit approval in China banking industry, credit record has become one of the important indicators to judge whether a person is reliable.