Credit card interest is very low. The interest of credit cards fluctuates between 15% and 25%, while the interest of online loans fluctuates between 20% and 36%, so the interest of credit cards is low, but once overdue, it will enter the credit record, which will have an impact on the borrower's credit, and whether online loans are overdue depends on the nature of the loan platform. Credit cards are credit certificates issued by commercial banks or credit card companies. Credit card refers to all kinds of media that record the relevant information of the cardholder's account, have the function of bank credit limit and overdraft, and provide relevant banking services for the cardholder. The earliest credit card appeared at the end of 19, and the British clothing industry developed the so-called credit card, and the tourism and business departments also followed this trend.