As long as the plaintiff does not apply for court property preservation and freezes the defendant's bank account, the defendant can use the credit card normally;

if the court allows the plaintiff's property preservation, a written ruling shall be served on the defendant.

See: Civil Procedure Law

Article 1 A people's court may, on the application of the other party, order the property to be preserved, order it to do certain acts or prohibit it from doing certain acts in a case that the judgment may be difficult to execute or cause other damage to the party; If the parties fail to file an application, the people's court may also order the adoption of preservation measures when necessary.

article 13 property preservation shall be sealed up, detained, frozen or other methods prescribed by law. After the people's court has preserved the property, it shall immediately notify the person whose property has been preserved.