As a civil act, credit card business involves general principles of civil law, contract law, criminal law, China People's Bank Law, commercial banking law and other laws and regulations.

If you want to transfer the only house knowing that you can't repay your credit card, it will trigger the relevant provisions of Articles 74 and 75 of the Contract Law.

1. Article 74 of the Contract Law stipulates: "If the debtor abandons the due creditor's rights or transfers the property for free, thus causing damage to the creditor, the creditor may request the people's court to cancel the debtor's behavior. If the debtor transfers the property at an obviously unreasonable low price, causing damage to the creditor, and the transferee knows the situation, the creditor may also request the people's court to cancel the debtor's behavior. The scope of revocation right is limited to creditor's rights. The necessary expenses for the creditor to exercise its cancellation right shall be borne by the debtor. " According to this provision, the elements of the right of revocation are:

First, the debtor's harmful behavior to the creditor must be the object of revocation right;

Second, property behavior must be taken as the object of revocation;

Third, it must be harmful to creditor's rights;

Four, when the debtor disposes of the property in a paid way, the creditor can only exercise the right of cancellation if both the debtor and the beneficiary are malicious.

2. Article 75 of the Contract Law stipulates: "The right of revocation shall be exercised within one year from the date when the creditor knows or should know the reason for revocation. If the cancellation right is not exercised within five years from the date of the debtor's behavior, the cancellation right will be extinguished. "