If the credit card (debit card) has not been repaid, but there is no overdue record, and more than half of it has been repaid, it is possible to apply for a mortgage at this time. However, if the credit card (debit card) has not been repaid, is overdue or has been overdue before, or the credit card (credit card) has a large amount of debt, resulting in an increase in the overall debt ratio, it is not appropriate to apply for a mortgage, because it will affect the results of mortgage review.

Therefore, when users use credit cards (debit cards), they must pay back on time and pay attention to controlling debts so as not to affect other loan businesses.

Can I borrow money to buy a house if my credit card is not paid off?

The credit report is a personal credit information record issued by the People's Bank of China, and it is the basis for commercial banks to examine your loan qualification and credit record, depending on the personal credit record. It is recommended that you contact the Bank of China branch that you want to handle the loan business.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.

Can I apply for a house loan if my credit card is not paid off?

If the credit card has not been paid off, and there is no overdue repayment that affects the credit information, you can borrow money to buy a house.

According to Article 11 of the Interim Measures for the Administration of Personal Loans, applying for personal loans shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.

Extended data:

"Interim Measures for the Administration of Personal Loans" Article 15 The loan investigation is mainly based on on-the-spot investigation, supplemented by indirect investigation, and adopts ways and methods such as on-the-spot verification, telephone inquiry and information consultation.

Article 16 On the premise of not damaging the legitimate rights and interests of the borrower and controlling risks, the lender may prudently entrust a third party to handle some specific matters in the loan investigation, but the qualifications of the third party must be made clear. The lender shall not entrust all matters of loan investigation to a third party.

Article 21 The lender shall notify the borrower of the unapproved personal loan application.

Baidu Encyclopedia-Interim Measures for the Administration of Personal Loans

Why do you need a bank to apply for a credit card when you buy a house with a loan?

In fact, you don't have to apply for a credit card to apply for a mortgage, but some banks require borrowers to apply for a credit card because it is tied to consumption. Increase the number of bank credit cards issued by letting mortgage applicants apply for a credit card.

When a bank handles a mortgage loan or mortgage loan, the lending bank will have a series of bundled sales behaviors, requiring you to handle a credit card, and both the lending account and the repayment account must be opened at the lending bank. If you don't do this, the loan will not be approved and will not enter the approval process. This is the case with ICBC and CCB. The bank has no choice but to ask you to complete some evaluations. What's more, some banks lend money, then turn it into a time deposit certificate, and then pledge it to the bank and lend it to you. What can be done? There are so many damn examinations, but there is still a gap in doing so. Help each other. Loans stipulated by the CBRC are not allowed to exist in name only. These commercial banks are doing this in disguise. It's good for you to finish the evaluation. After you get the credit card, you really don't need it. You can apply for cancellation.

Mainly to complete the task of swiping cards. Every bank needs to expand its business, and credit cards can bring a lot of capital flow.

Comparing the risks, the speed of capital withdrawal and the profit of mortgage and credit card, banks will definitely like everyone to apply for credit card. The same is 6.5438+0 million yuan. If it is a mortgage, it can only be given to one person. Generally, the term of capital withdrawal is between 20 and 30 years, and the benchmark interest rate of commercial loans is 4.9%. However, if this 1 10,000 yuan is used for credit card business, a card can be opened for 100 people, and the credit card will be repaid once a month, so that the funds can be withdrawn quickly. As for the profits that credit cards bring to banks, there will be more.

If a customer gets a credit card by the way when he goes to the bank to apply for a mortgage, it is likely that the outlets have bundled sales in order to complete the business volume, so as to increase the amount of credit cards issued. In fact, in addition to credit cards, some bank outlets will also tie in financial products such as insurance, wealth management and funds.

In the case that the credit card is tied with the housing loan, if the customer doesn't want the credit card, he can refuse it directly. After all, it's a housing loan, not a credit card. Of course, if the customer just needs a card, it is also the right time to apply for a credit card.

For credit cards that have been approved, if customers don't need to use them, they can choose not to activate (provided that the credit card belongs to the type of non-activation and no charge); Or directly apply for cancellation of the card.

I got a mortgage in the bank, but the bank still has to get a credit card. Can I not apply for a credit card?

Of course, you can choose whether to apply for a credit card according to your own needs. Credit cards have nothing to do with mortgages.

Extended data:

1. Credit card application conditions:

1. Does it meet the requirements for banks to issue credit cards?

2. The age is between 18 and 65.

3. Have a stable occupation and income.

4. Have good credit and the ability to repay the principal and interest on time.

5. Natural persons with full capacity for civil conduct (robots, vegetarians, minors and people with a certain degree of mental illness are not allowed).

What should novices pay attention to when handling credit cards?

For many new users, in the process of owning a credit card, we still need to pay attention to several aspects:

First, after the credit card is activated, you need to sign on the back of the card in time. If there is no signature, once the credit card is lost, it may lead to financial risks in the process of using it.

Second, the received card is actually the original password. At this time, you must change and remember the password during the activation process, and don't tell others the password.

Third, the security code is just like a card's ID card. Knowing the card number, expiration date and security code, you can successfully pay whether you have a card or not. Some friends choose to post security codes, while others choose to remove security codes. Everyone should be careful to avoid card damage and make up the card.

Fourth, to apply for a credit card, you must be an adult with an ID card and a work unit, because you have to provide proof of work before you can apply.

Fifth, we need to remind everyone that when handling credit cards, we should choose the corresponding amount according to our consumption level and repayment ability. Otherwise, if the amount is too large, your repayment pressure will increase, and you cannot change the payment, which will affect your personal credit information.

In addition, novices should develop the habit of prepayment and rational consumption in the process of swiping cards, so as to avoid the situation that the quality of life is affected because of the mismatch between income and expenditure, resulting in greater repayment pressure.

I hope my answer can help you.

What should I do if I am asked to apply for a mortgage with a credit card (debit card)?

Being asked to apply for a credit card (debit card) mortgage loan is an act of bundling consumption by many branches. In order to increase the number of bank credit cards (debit cards), it is not a necessary prerequisite for mortgage loans. If the individual has no demand for overdraft consumption, he can completely refuse.

But credit card (debit card) can bring many benefits to everyone, such as enjoying certain overdraft credit, accumulating your own credit, enjoying credit card (credit card) preferential activities, and recommending those who have good business relations with banks.

If you want to get a mortgage smoothly, it is best for banks to accept it when they ask for a credit card (debit card), which has no adverse effects on individuals.

Can I cancel my credit card application?

Cancellation can be cancelled, but it may be more troublesome.

1. It is easy to apply for a credit card now, but difficult to cancel it. If the applicant submits the application materials on the website or bank, it cannot be cancelled. However, you can wait for the bank to call back and show your intention. If the applicant submits the information through the agent and the information is still in the hands of the salesperson, you can call the salesperson to cancel the information.

1. Credit card, also known as credit card, is a credit certificate issued by commercial banks or credit card companies to qualified consumers. The form is a card with issuer's name, expiration date, number and cardholder's name printed on the front and magnetic stripe and signature strip printed on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, banks settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

2. Credit card is usually a special plastic card with a length of 85.60mm, a width of 53.98mm and a thickness of1mm.. The name, expiration date, serial number and cardholder's name of the card issuer are printed on the front, and the chip, magnetic stripe and signature strip are printed on the back. Cardholders can use credit cards to shop, shop and deposit in banks.

3. Credit card features: cash deposit is not allowed, and interest-free repayment period can be enjoyed. Can be repaid in installments (minimum repayment amount), and join international credit card organizations such as VISA, Master card and JCB for global use. It is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range. It has both payment and credit functions. Cardholders can use credit cards to buy goods or enjoy services, or they can use credit cards to obtain a certain amount of loans from card issuers. It is a high-tech product integrating financial business and computer technology. Can reduce the use of cash currency. It can provide settlement services, facilitate shopping and consumption, and enhance the sense of security. It can simplify the collection procedure and save social labor. It can promote commodity sales and stimulate social demand.