No. Home loan rates are typically based on the 10-year bond rate not this "overnight" Federal Reserve rate. This 10-year rate has been let's say 4.5% +/- 0.1% for some number of months, including the time of both of these rate cuts (which totaled 0.75%). It sure hasn't dropped 0.75% since the first Fed rate cut on September 18:
The most charitable I could offer is that maybe some people can get a loan for 0.25% less than they could have before the rate cuts. That's maybe $50 a month on a $400K loan at let's say 6%. That's not going to be that much of a difference on a $3000/month total house payment.
Car loan rates are affected even less by any Fed action. And redit card rates are completely independent of any other interest rate in the U.S. -- they simply go up, period.
These breathlessly-awaited "rate cuts" are the Big Lie of Wall Street. It ain't doing squat for individuals.