You can use your credit card to buy a house or a car, as long as you remember to repay the money on time, but there are generally no points.
1. Credit cards generally have a three-day grace period after the repayment date. Repayment within the grace period is deemed to be repayment on time;
1. If the payment is paid in full, no credit will be incurred. Any fees;
2. If you repay the minimum repayment amount, the daily interest will be calculated at 0.05%;
2. If the repayment exceeds the grace period or the repayment amount is less than the bank's regulations The minimum repayment amount is considered overdue, and the daily interest rate is 0.05%, and the interest is calculated from the accounting date. In addition, a late payment fee of 5% of the unpaid portion of the minimum repayment amount is charged on a monthly basis.
Extended information:
Notes on buying a house with a credit card:
1. If the credit card limit itself is not enough, you can apply for a temporary limit adjustment. The temporary limit adjustment for each bank's credit card The ranges are different. Some banks can adjust the limit by 100%, while others can only increase it by 80%. After applying for a temporary limit and paying the down payment by swiping the card, the cardholder needs to pay off the temporary limit in one lump sum before the current repayment date, and cannot pay it in installments.
2. Once the down payment for a house is paid with a credit card, the refund will take a long time. Therefore, we should pay attention to the distance between the credit card swiping date and the due repayment date. Do not overdue due to a long refund time. Credit card swiping must be timely and full repayment. Cardholders should repay the credit card according to their own repayment ability, and do not overdo it. Spend in advance to avoid being unable to repay in time, causing your credit card to be overdue, and you will have to bear interest, late payment fees, and even affect your personal credit record.
3. There are no points for paying the down payment of a house with a credit card. Credit card points cannot be accumulated for this type of consumption transaction. POS machines for real estate transactions generally use UnionPay channels, so only UnionPay cards can be used, and single-currency foreign currency cards cannot. brush.
Baidu Encyclopedia - credit card