Legal analysis: There are no regulations in this regard. You can use a credit card to purchase a house. However, when you decide to use a credit card to purchase a house, you should understand the local bank charges and policies in advance.

Legal basis: "Credit Card Business Management Measures"

Article 2 All commercial banks and their branches and cardholders that handle credit card business within the territory of the People's Republic of China and special entities that accept credit cards must comply with the provisions of these Measures.

Article 21 Malicious overdraft refers to the overdraft behavior of the cardholder for the purpose of illegal possession, exceeding the prescribed limit or prescribed period, and the collection by the card-issuing bank is invalid.

Article 68 If a cardholder maliciously overdrafts, he or she shall be held criminally responsible in accordance with the law.