Detailed description:

1. The overdue credit card account will have a great negative impact on the credit record only if it is not paid off for more than 90 days.

2. The frequency and duration of overdue repayment are important indicators to evaluate credit risk, but only if overdue for more than 90 days occurs frequently will the credit score be seriously affected.

Because you have only two overdue accounts in five years, and all of them are paid off within 90 days, this is a relatively normal repayment behavior.

4. Banks or other financial institutions will consider the income, assets and other debts of the applicant in addition to the credit record when approving the house purchase loan.

Therefore, it is only a few months overdue and paid off within 90 days, which generally has little effect on applying for housing loans.

Summary: Credit card accounts are overdue for two months, but they are all paid off within 90 days, which will not have obvious negative impact on the application for housing loans.