First of all, when banks examine borrowers' applications for housing loans, they usually comprehensively consider borrowers' credit status. Credit card overdue records are part of the credit status. Serious overdue records may reduce the borrower's credit rating, thus affecting the success rate of loan application.
Secondly, the impact of overdue credit card records depends on the degree and duration of overdue. Overdue for more than three months is considered a serious situation, which may further affect your loan application. Banks are usually more cautious about borrowers with overdue records, which may increase the difficulty of approval or require higher repayment guarantee measures.
Finally, when approving loan applications, banks will also comprehensively consider other factors of borrowers, such as income, employment and other liabilities. If you have strong qualifications in other areas, it may help to make up for the impact of overdue records on loan applications.
To sum up, although the overdue credit card records may have a certain impact on the application for housing loans, the specific impact will be affected by many factors. I suggest you contact the bank to learn more about your specific situation and decide the next step according to the guidance.
Extended data:
According to China's financial laws and regulations, banks will evaluate the credit status of borrowers when approving loans. Overdue credit card records are regarded as one of the manifestations of poor credit status. The influence of overdue records on the borrower's credit rating is related to the repayment performance such as overdue amount and term. The bank determines the borrower's credit status according to the internal risk control policy, and decides whether to approve the loan application, loan amount and interest rate according to the risk assessment results.