Credit card is a form of loan. Credit card is a kind of similar small loan that banks give to high-quality customers. That is, you can use it first and then pay it back, and you can use it for overdraft. More differences are as follows.

1. Different operators

Literally, it is not difficult to see that credit card loan is based on credit card platform to carry out credit card installment or cash advance business; Credit loan is a loan fund attached to the full trust of the borrower's qualification.

2. The loan amount is different

It is difficult for many card friends to break through the 20,000 yuan mark, and they can't get rid of the four-digit "curse". If they want to borrow money to travel, buy a car and decorate, it seems that they are a little short of money. In contrast, credit loans are natural and graceful, and the amount of credit loans is mostly 10 times of personal monthly income. As long as your monthly income exceeds 2000 yuan, the amount of credit loans can easily exceed that of credit cards.

3. The loan term is different

Generally speaking, credit cards are mainly short-term, the longest is 24 periods, that is, two years, while credit loans have laid a long-distance running route, which can reach five years at the longest.