It is neither cost-effective nor safe. First of all, buying a house needs to provide a source of funds; Credit cards are prohibited from cashing in to buy a house or a car, and the source of funds cannot be exceeded; The bank will not handle the loan until the mortgage and bank card are paid off. Secondly, the mortgage interest rate is the lowest loan at present, with an annual interest rate of only 4.3%. Credit card installment is much higher than this interest rate!