1. Credit card overdue: If it is overdue for three years, your credit history may be negatively affected. Overdue records will be registered in the personal credit report, which will have an impact on future credit application.
2. Pay off overdue funds: You paid off all overdue funds six months ago, which shows that you have strong repayment ability and willingness to repay debts. This will have a positive impact on applying for mortgage loans.
3. Credit repair time: Although past credit problems may have an impact on the application, credit repair usually takes some time. Half a year may be short, but it also helps to prove that your credit status is improving.
To sum up, although overdue credit card records will have a certain impact on mortgage loans, you can reconsider applying for mortgage to buy a house after you have settled all the overdue payments for half a year. At the same time, it is suggested that you further strengthen credit repair before applying, such as improving personal credit status by timely repayment and controlling debts.
Supplementary information: Banks or financial institutions will comprehensively consider many factors when applying for mortgage loans, including credit history, repayment ability, stable income, down payment ratio, etc. Therefore, in addition to overdue credit cards, we should also pay attention to the satisfaction of other application conditions in order to improve the success rate of loan applications.
Please note that the answers provided above are for reference only, and the specific approval results will depend on the policies of different banks and financial institutions and personal credit status. I suggest you contact specific financial institutions to get more accurate information and guidance.