Legal analysis: If the credit card is overdue, the house can be transferred. Because the house is traded to an individual, the individual has no right to check the other party’s credit report, so as long as the procedures and documents of the house are complete, the house can be transferred; however, the house transfer Previously, if there was a mortgage on the house, the loan must be paid off first and then the mortgage can be released before the transaction can be made.

Legal basis: Article 196 of the Criminal Law of the People's Republic of China and the People's Republic of China. Whoever commits credit card fraud in any of the following circumstances and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than five years or Criminal detention, and a fine of not less than 20,000 yuan but not more than 200,000 yuan, if the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, if the amount is particularly huge or there are other serious circumstances. For other particularly serious circumstances, the person shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or have property confiscated:

(1) Using a counterfeit credit card, or using a Using false identity certificates to fraudulently obtain credit cards

(2) Using invalid credit cards

(3) Pretending to use other people’s credit cards

(4) Malicious intentions Overdrawn.