first, it will be recognized by the bank as suspected of cashing out. The down payment of a house is different from ordinary consumer goods, and the amount is usually large. Some people's credit cards are not high enough, so it is difficult to pay a large down payment with one card, so they use multiple cards to make up for the lack of credit. Many credit cards make large consumption at the same time in the same merchant, which is easy to be recognized by banks as cash-out behavior. Cash-out is an illegal act in itself, ranging from being blocked by the bank's recovery of funds, to being included in the bad credit record.
second, real estate type transactions cannot be staged. Some property buyers have paid down payment by increasing the temporary quota and using multiple credit cards, expecting to reduce the repayment pressure through the installment payment of bills. However, real estate transactions cannot be staged, and only one-time payment can be paid off.
thirdly, the refund process is complicated and the risk is difficult to control. It is good that everything goes smoothly in the process of buying a house, but not all problems can be completely controlled by yourself. Once uncontrollable factors break the contract relationship, it will involve the refund problem. Even if the developer agrees to refund, there will usually be complicated procedures, and the specific refund time is difficult to control.
fourthly, the credit card handling fee shall be borne by itself. There is a handling fee for credit card consumption, but this handling fee is usually borne by merchants, but it is not the case in house purchase transactions.