Paying back the loan by credit card is actually withdrawing cash by credit card, which is a legal vacancy. You need to bear higher interest on the loan, so it is not worth the loss. Moreover, once the repayment cannot be made in time, according to the law, it is suspected of malicious overdraft and violates the law.

Credit card is a special carrier card issued by banks to individuals and units, which is used for shopping, consumption and cash deposit and withdrawal from banks, and has consumer credit. Generally speaking, credit card is a kind of micro-credit payment tool provided by banks to users. However, this kind of consumption can only be used in activities such as shopping in shopping malls, and credit cards can be used to buy cars and houses, but there are no points. So the so-called repayment by credit card is actually to withdraw money from the credit card to repay the loan. Once the credit card uses the withdrawal service, it is the beginning of the "trap" of the cardholder's interests: banks charge 0.5%- 1% for domestic withdrawals. In addition to the handling fee, the cardholder has to pay interest, which is calculated according to the daily interest rate of 5% and the annual interest rate of 18%. It is equivalent to borrowing a high-interest loan in addition to the mortgage.

Therefore, not only the interest-free repayment period, but also the handling fee and interest. The handling fee is quite high, and the interest is compounded daily, but it is not worth the loss.