Legal analysis: if the credit card is overdue, you can sell the house as long as you are not sued by the bank for freezing the property or entering the enforcement stage. The condition of real estate transfer is that the house belongs to itself, which has nothing to do with its own credit. If the seller has not settled the mortgage, or the house has been mortgaged, then the transfer can only be handled after the mortgage is settled or released.

If the credit card is not repaid, it may be overdue. At this time, the bank will notify the other party to repay. If the loan is not repaid, the bank will sue. If there is more money owed to the bank and one party is unable to repay it, the debtor's house will be enforced.

Legal basis: People's Republic of China (PRC) Civil Procedure Law.

Article 224 The property part of a legally effective civil judgment or ruling and a criminal judgment or ruling shall be executed by the people's court of first instance or the people's court of the place where the property is executed at the same level as the people's court of first instance.

Other legal documents stipulated by law to be executed by the people's court shall be executed by the people's court in the place where the person subjected to execution has his domicile or where the property subjected to execution is located.

Article 247 After the property is sealed up or detained, the executor shall order the person subjected to execution to perform the obligations specified in the legal documents within a time limit. If the person subjected to execution fails to perform within the time limit, the people's court shall auction the sealed-up or distrained property; If it is not suitable for auction or both parties agree not to auction, the people's court may entrust the relevant units to auction or auction on their own. Articles prohibited by the state from trading freely shall be handed over to the relevant units for purchase at the price stipulated by the state.

"People's Republic of China (PRC) City Real Estate Management Law"

Thirty-second real estate transfer, mortgage, housing ownership and land use rights within the scope of housing occupation at the same time transfer, mortgage.

Thirty-third benchmark land price, demarcation land price and the replacement price of all kinds of houses shall be determined and published regularly. Specific measures shall be formulated by the State Council.

Article 34 The State practices a real estate price appraisal system. Real estate price evaluation should follow the principles of justice, fairness and openness, based on the benchmark land price, the calibrated land price and the replacement price of various houses with reference to the local market price, and be carried out in accordance with the technical standards and evaluation procedures stipulated by the state.

Article 35 The State implements the system of real estate transaction price declaration. When transferring real estate, the real estate owner shall truthfully declare the transaction price to the department designated by the local people's government at or above the county level, and shall not conceal or falsely declare it.

Article 36 When transferring or mortgaging real estate, the parties concerned shall register the ownership in accordance with the provisions of Chapter V of this Law.