If lending institutions no longer inquire about users' credit information before lending second-hand housing loans, then swiping large credit cards will not affect the final lending results. However, it takes a long time for users to apply for loans, and lending institutions have to inquire about credit information twice before lending. At this time, swiping a large credit card will increase personal debt, and it is not excluded that this consumption record will directly affect the loan result.

But as long as you return it on time, it won't affect your credit information. Unless you don't pay your debts, your reputation will suffer.

So before you swipe your card, you should consider whether you have the ability to repay on time.

I hope my answer is helpful to you and can be adopted.