Credit is not an online loan. Credit business includes credit business, loan business and guarantee business. As for online lending, it is only a kind of loan business, and it cannot be said that online lending is credit. Of course, users applying for online loans can also be said to be a credit business. Therefore, if users can't handle credit business, many businesses can't be handled.

Handling credit cards also belongs to handling credit business. Online lending is to apply for loans through online channels, which is different from ordinary loans.