Paragraph 1: According to the information provided, three credit cards were overdue eight times in two years. Can I apply for a mortgage?

Detailed description:

1. Although overdue records may adversely affect the credit score, whether you can get a mortgage smoothly depends on many factors.

2. Banks usually comprehensively consider the applicant's credit history, income status, liabilities and other factors to evaluate the feasibility of the loan application.

3. If the overdue situation is not serious and other aspects are good, it is still possible to get a mortgage.

4. However, if the overdue records are frequent or there are a lot of overdue debts, the chances of getting a mortgage may be reduced.

Summary:

Although eight overdue records will have an impact on the loan application, other factors need to be comprehensively considered whether the mortgage can be obtained in the end. It is important to maintain a good credit record and repayment ability to increase the chances of successfully applying for mortgage loans.

Extended data:

1. Credit records are very important for loan applications, and banks usually know the applicant's credit status by looking at personal credit reports.

2. Overdue records may lower the credit score and make loan application more difficult.

3. Before applying for a mortgage, it is recommended to improve your credit record as much as possible, such as timely repayment to avoid overdue.