What you want to ask is that you owe 200 thousand on your credit card and want to mortgage the house twice. How about 300 thousand for five years? You can't. According to the inquiry law network, credit cards will not be overdue for a long time, and personal credit will be affected, so it is impossible to borrow 300 thousand. Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment is made on the billing day.