Buying a house with a credit card does not involve violation of regulations, and our country's law does not clearly stipulate that the credit card limit cannot be used for buying a house. Under normal circumstances, when buying a first-hand house, you can use a credit card to buy a house. In the process of second-hand housing transactions, because credit cards cannot be used for transfer, it depends on the specific situation whether the purchase process can be completed by credit cards. As long as the merchant's POS machine is legal, the credit card can be paid, and there is no violation. Moreover, the credit card limit of most cardholders is too small, so there will be no big problem.

In some banks' credit card application contracts or articles of association, it is only required that credit cards should not be used to invest in the stock market, futures market and other markets, and should not be used for tax evasion, debt evasion, money laundering, cash withdrawal, production and operation overdraft and other illegal acts. There is no clear explanation about the purchase.

However, the credit card core of a joint-stock bank said that credit cards are actually a kind of consumer loans, so banks usually follow the regulations of the regulatory authorities on consumer loans, and it should be illegal to use credit cards for down payment.

Obtaining the corresponding funds through credit cards can fill the problem of insufficient capital positions of some buyers. Many cardholders disagree, thinking that as long as credit card funds are paid on time, the risk will not be too great. But this is actually a fluke. If there is a tendency of real estate speculation, if house prices fall at this time, the motivation and confidence of credit card repayment will actually weaken, thus expanding the risks behind mortgage.