credit cards can be used to pay the down payment for buying a house. Generally, developers will provide credit card POS machines, but the following matters should be paid attention to in the process of credit card swiping: 1. Real estate credit card POS machines generally take the UnionPay channel, so it is best to prepare a UnionPay card. 2. It is best to use 1-2 large credit cards, and don't use too many credit cards, so as to avoid the suspicion of credit card cashing.

1. Interest will be charged for credit card installment repayment on time.

Credit card consumption can enjoy an interest-free period of 2-56 days. If repayment is made on time within the interest-free period, interest will be charged. If repayment is made by installments, interest will be charged. The credit card installment business is often advertised by banks under the banner of "interest-free". In fact, interest-free is not free, but the name is different. Interest will be charged whether it is on time or not, and late fees will be charged if it is not on time.

two, credit card installment needs to pay attention to several matters:

1, choose the appropriate number of installments, because most credit card applications are successful, it is impossible to cancel or change the number of installments. Therefore, everyone should make a good choice before applying for staging. The standard of handling fee rate of each bank is also different. According to the specific standards of the bank, choosing the appropriate number of periods can reduce the handling fee.

2. installment will occupy the credit card limit. after applying for bill installment, the credit limit will be fully restored only after paying off the money in full. Paying off the current installment will only restore the amount of the corresponding paid off.

3. The applied installment bill can no longer be divided into installments. After applying for installment of the bill, the repayment amount and installment fee of each installment are included in the minimum repayment amount of the current period. In other words, it is impossible to apply for the bill installment, and this part of the money should be paid first in the bill repayment of the month.

4. Avoid penalty interest. If the consumer fails to return the installment amount to the bank in time within the time limit, he will also pay a high "overdue fine for principal allocation".

Third, there is no interest on paying off the credit card money on time every month. Credit cards are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders don't need to pay cash when they use credit cards, and they will pay back when the bill is billed.

4. Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards issued by banks, which give cardholders a certain credit limit, within which they can spend first and then repay; Quasi-credit card refers to a quasi-credit card issued by a bank, where the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.