1. Essence: Credit card credit refers to the behavior that banks provide funds to customers and guarantee to third parties. Loan credit means that banks or other financial institutions lend monetary assets at the prescribed interest rate and return the loans in time.
Two. Principle: Credit card issuance should be treated differently according to the level of economic development, the possession and use of economic and loan funds in different regions. The principle of loan credit is safety and efficiency, and liquidity is the basic principle of loan.
3. Methods: Credit card credit is divided into basic credit and special credit. Loans can be roughly divided into loans, remittances, cash withdrawals, etc.