Legal analysis: you can't buy a house by loan because you can't get the money. At present, personal credit records have been connected to all banks in the country. Once a cardholder has a bad personal record in a bank, this record will be shared with other banks and will be eliminated after 5 years. Therefore, if the cardholder wants to borrow money from the bank during the illegal account, the possibility is basically zero. In order to avoid being a black account of credit cards and causing credit stains to themselves, cardholders should first establish a rational concept of consumption and good financial habits, use credit cards reasonably within the scope of spending power, and avoid excessive consumption.

Legal basis: Article 667 of the Civil Law of People's Republic of China (PRC) is a loan contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.