I think your statement is unachievable.

No matter how many credit cards you have, you must withdraw cash to repay your mortgage. According to the current cash withdrawal conditions of credit cards, you must pay a certain handling fee and bear interest at a daily interest rate of 0.5%. When you withdraw cash from a credit card to repay a loan, you must bear these fees and interest. This interest is several times higher than your mortgage interest rate (4.9%). Since there is no interest-free period for credit card cash withdrawals, this method is equivalent to borrowing a high-interest loan to pay off the debt. Interest and fees will continue to accrue. Even after repaying the loan, these expenses will become more and more burdensome. It is tantamount to tearing down the east wall to make up for the west wall, forming a vicious circle that will not bring any benefits.

If you are short of funds, using a credit card to make occasional repayments can meet your immediate needs and relieve yourself of financial pressure. Although it is necessary to pay some costs such as interest and handling fees. But if you use credit card cash withdrawals as a normal way to pay off your mortgage, it will create a larger financial gap for you personally.

If you don’t understand the use of credit cards, it is recommended that you understand it before operating it.