If there is only one overdue, and the amount is not large, it will have little impact on its credit information, and most banks will handle business for it normally. Banks should consider many factors when granting loans, such as property and car ownership, income, bank policies, etc. , not just the number of overdue loans.

If the lender is overdue three times in a row before applying for a loan, or more than six times in two years, it will be regarded as having a bad credit record after being overdue again.

Does the overdue credit card record affect the mortgage?

Affect the mortgage. Generally speaking, one overdue credit card has little effect on the mortgage. If the cardholder shows up immediately after the deadline unintentionally, he can explain the situation to the cardholder's bank and ask for a "non-malicious overdue certificate". With this certificate, even if the cardholder has a record of overdue repayment, it will not be affected when applying for a mortgage. In addition, the bank also opened a timely repayment function for credit card users. Repayment within 3 days from the latest repayment date is regarded as timely repayment, and overdue repayment is not included in personal credit record. In case of overdue repayment, the cardholder shall immediately submit a "non-malicious overdue certificate" to the bank and apply for cancellation of overdue records.