It's not illegal. You can lend it out. The amount is at your own disposal and needs to be returned in time. But the amount should not be too high, and this should also be distinguished. If the amount owed is large, the bank will think that this is a debt situation, so it is possible to refuse the loan. However, if it is normal, there is no problem. For example, I owe 5000 yuan on my credit card, but I want to borrow 100000, and it doesn't matter. If it is normal, there will be no problem.

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Credit card skills 1. Learn to read bills.

Open your credit card bill, which records your monthly expenses in detail. If you can't read these details well, it will be difficult to know your repayment clearly. There are many proper terms on credit card bills, such as cash advance limit, credit limit, current bill date and so on. What everyone needs to know most is the last repayment date and the minimum repayment amount in this period. The final repayment date of this period is the final repayment period stipulated by the bank, and repayment beyond this period will be regarded as a breach of contract. The minimum repayment amount refers to the minimum amount to be repaid in this period, which is generally about 5%- 10% of the total consumption.

Credit card tips II. Make good use of the interest-free period

Interest-free period is how long it takes for a credit card to overdraw without paying interest to the bank. If divided by duration, it can be divided into the longest and the shortest. The interest-free period of each bank is different. For example, the credit card launched by China Merchants Bank can be used for more than 50 days according to the online statement. Generally, you swipe your card on the last day of the billing date, so you can enjoy a longer interest-free day.

Credit card skill three, learn to repay reasonably.

After understanding the above two skills, you also need to know how to repay the loan reasonably. Two repayment methods are recommended here. If there are sufficient funds, you can repay in full on the final repayment date. This is the first way. If you can't come up with so much money for the time being, you can adopt the second method, that is, pay the minimum repayment amount on the last repayment date. I suggest that if you have the ability, you'd better repay in full. If you can't repay in full, you should also pay the minimum repayment amount before the final repayment date. This is to protect your personal credit from being affected. Another thing to note is that there is cash withdrawal in the current period, so you should pay more when repaying to offset the interest.

Second, whether the credit card is a credit loan.

Credit card installment is a way of loan, but it should be noted that the installment interest of credit card is relatively high. Most domestic banks have credit card installment business, which can be divided into mail order installment, bill installment or shopping mall installment according to different occasions.

1. Mail-order installment refers to ordering installment products in online shopping malls, or calling for installment mail order;

2. Bill installment is the simplest installment method, which is basically supported by banks and convenient to apply. Users only need to apply to the issuing bank for installment by phone after spending their credit cards and before sending monthly bills.

3. Shopping mall staging means that cardholders go to shopping places and shop in "shopping malls" that can be staged. When you check out, you need to pay by installment with a credit card that supports installment in this mall.

The above is the way of credit card loan.

Is a credit card a loan? Is a credit card a loan?

Credit card is a kind of loan. However, users must pay attention to the higher repayment rate when credit cards are used in installments. Most banks in China have credit card installment service. Installment can generally be divided into mail order installment, bill installment or shopping mall installment. That's how credit cards are borrowed.

Introduction of personal credit loan

Personal credit loan refers to the loan issued by the lender's personal credit, and the lender does not need to provide guarantee. Its characteristic is that the lender can only get money by personal credit, and this kind of loan is based on the lender's personal credit level. This kind of personal credit loan has always been the main loan method of China commercial banks. Because this kind of loan is very risky, it is generally necessary to conduct a detailed study on the economic benefits, working ability and development prospects of the lender in order to reduce the risk. This kind of loan is mainly applicable to enterprises (merchants), other social and economic development organizations and individual industrial and commercial households that have been examined and filed by the administrative department for industry and commerce. This paper mainly focuses on the knowledge of whether credit cards belong to loans, and the content is for reference only.

4. Will the credit card affect the loan?

Credit cards have an impact on bank loans. Because the credit report will record the relevant information of the card, such as how many cards have been handled, how much debt, how much repayment, whether it is overdue and so on. When a customer applies for a bank loan, the bank will generally review the customer's credit information. So if you have too many cards, too high debt or overdue, it will affect the approval of bank loans.

Because online loans are mostly based on their own risk control and big data, credit cards generally have little impact on online loans.