Because the credit card was overdue for seven times, I applied for a mortgage through CCB, which approved it, but it was quickly recovered, and the interest rose by 10%.

According to the information you provided, the bank approved your mortgage application, but it was withdrawn when the loan was made, and the interest rose 10%. In general, the time of lending depends on several factors.

First of all, the number of overdue credit cards may extend the loan time. As you have seven overdue records, the bank may need more time to review your credit status to ensure that you can repay on time.

Secondly, the lending time is also affected by the internal operation process of the bank. Although the loan officer said that it had been reported to the Head Office, the Head Office may still need to go through further approval procedures to ensure that the loan complies with relevant policies and regulations.

Finally, fast lending usually requires the borrower to provide complete materials and accurate information. If your application materials are incomplete or the information is incorrect, the bank may need extra time to contact you and ask you to provide additional information.

To sum up, due to possible factors such as overdue credit cards, the mortgage lending time is delayed. It is recommended that you keep in touch with the bank to know the specific loan progress, and at the same time ensure that accurate and complete application materials are provided to speed up the loan progress.