Credit card will not affect the loan to buy a house. Since the borrower has applied for a credit card, it means that there is debt. As long as the debt does not lead to a substantial increase in personal debt, borrowers can apply for housing loans normally. And even if the credit card loan affects the mortgage, as long as the loan is paid off in full and on time, the borrower can still continue to apply for the mortgage. Therefore, as long as the credit card loan is not overdue, it will not affect the housing loan. If the credit card is used in loans overdue, the user's credit will be affected and he can't apply for a mortgage.

Adverse consequences of overdue credit cards:

(1) If the credit card is not paid back within the time limit, firstly, a 5% late payment fee will be added to the unpaid part from low to high, as well as a penalty interest on the full amount of the bill, with a daily interest rate of 0.5 ‰, which will be compounded monthly from the date of consumption until it is paid off. Seriously, it will produce bad credit records in the bank credit information system.

(2) If the credit card is overdue for more than six times, or overdue for more than three months, or the bank has not repaid it after more than two reminders, the bank will freeze the credit card first, and then the customer will be blacklisted by the bank, and it will be impossible to apply for credit cards and any loans from now on.