Details are as follows:

First of all, an overdue credit card will leave a bad record in the personal credit record. When the bank examines the mortgage loan application, it will evaluate the applicant's credit record to determine his repayment ability and credit status. Overdue records will be regarded as bad credit, which may affect the bank's approval of loan applications.

Secondly, overdue credit cards may have a negative impact on personal credit scores. Credit score is one of the important indicators for banks, financial institutions and lending institutions to evaluate the applicant's credit status. Once the credit card is recorded in the credit report, the personal credit score may drop. A lower credit score will bring greater risks to banks, thus affecting the application results of mortgage loans.

In addition, overdue credit cards may also have an impact on personal loan records. When reviewing an applicant's mortgage, the bank usually checks his past loan records, including the repayment of credit card bills. If there is a credit card overdue record, the bank may think that the applicant's repayment is unstable, which will affect the mortgage approval.

To sum up, one overdue credit card will have a negative impact on applying for a mortgage. Overdue records may make the bank think that the applicant's credit status is poor, the credit score is declining, and the loan record is unstable, thus affecting the bank's approval results of mortgage applications. Therefore, it is suggested that you repay the loan in time, maintain a good credit record and improve the success rate of applying for a mortgage.

Extended data:

In addition to overdue credit cards, other bad credit records, such as loans overdue and arrears, may also affect the application for mortgage. In addition, personal income, debt, job stability and other factors will also have an impact on mortgage application, and banks will comprehensively consider various factors to evaluate the lender's credit and repayment ability. Therefore, before applying for a mortgage, we should not only pay attention to the credit record, but also pay attention to other related situations to improve the success rate of the application. When banks and financial institutions examine mortgage applications, they will make assessments according to the relevant regulations of China to ensure that the risks of loan business can be controlled.