Personally, I think that there are many different views to analyze this issue well

Personally;

Short-term

Credit card The emergence of has led to an increase in residents' consumption propensity, a larger beta, and the IS curve formula, r=(a e)/d-(1-b)y/d. It can be seen that b becomes larger, that is, the slope becomes smaller. This If household consumption increases while LM remains unchanged, the crowding-out effect will actually be greater than before. That is, the same increase in consumption will cause a smaller increase in national income if the marginal propensity to consume increases. However, The interest rate has also increased less, so I personally think that there will be controversy about the marginal propensity to consume, that is, whether the IS slope will change. However, in the short term, there should be no controversy that the increase in consumption will cause the IS to shift to the right. The IS will shift to the right. The interest rate rises and the employment rate increases due to the increase in aggregate demand.

However, discussions on prices will be controversial. For example, Keynes said that during the Great Depression, prices will not change as aggregate demand increases. This will involve the AD-AS model to discuss prices. Question, at this time, the three shapes of the supply curve determine the price change trend.

Long-term

In the long-term, I personally think it is not easy to say, because it involves different theories and different views;

For example, if we take the life cycle of a person, When the total demand is a certain amount, the emergence of credit cards will not change the demand. If people's consumption will increase due to the emergence of credit cards in their lifetime, then the IS curve will still shift to the right in the long run, interest rates will increase, etc. The same is true for other employment and prices. Different theories have different results.

Hope you are satisfied.