The difference between a credit card and a loan is that:

1, the loan requirements are different: the loan requirements are high, it is difficult to pass, and the salary requirements are relatively high. Need to provide bank flow, have a stable job, and have a good credit. Credit cards generally have low requirements and low requirements for wages. You only need a good credit information and a work unit.

2. The loan amount and scope are different: there are many types of loans, which are more widely used than credit cards and can be used for car purchase and house purchase; And the loan amount is more than 654.38+0 million. Credit card is an overdraft consumption card, and cardholders can use it to spend, mostly in small amounts.

3. The loan time and repayment method are different: the loan time is short, usually 2-5 days after the application. Moreover, there are few repayment methods of bank loans, which support installment repayment and early repayment. Credit card issuance takes a long time, generally taking 15-20 days. In addition, credit card repayment can generally apply for prepayment, timely repayment, installment repayment and minimum repayment amount.

Extended data:

Conditions and methods of bank loans:

I. Pure credit loans

At present, the popular loan method mainly relies on personal reputation to borrow money from banks. The amount of this kind of loan is generally not high. If there are other assets to assist, the amount may increase a little.

Like applying for a credit loan, these factors can give you extra points: work unit (civil servants, teachers, doctors, executives of large enterprises, etc. ), with strong assets in the bank and many business contacts with the bank, I have the opportunity to apply for a relatively high credit loan.

Second, secured loans.

If your personal qualification is not up to standard, you can try to find a third-party guarantor to provide you with guarantee services. This kind of loan, the amount is relatively high, but the requirements for the guarantor are higher. For example, it is generally difficult to meet the requirements of bank liquidity, credit and assets. Even if the conditions are met, the amount will not be too high.

Third, mortgage loan.

You have real estate, shops, fixed assets, etc. In your name. If you meet the requirements of the bank, you can apply for a mortgage loan. This is the best way to get a large loan. Most banks have similar business. It is recommended to go directly to the bank outlets for consultation.

Extended data:

First, the loan application conditions:

1, if you want to have a fixed income, it depends on the salary details;

2. At least 18-65 years old;

3 loans for business or car purchase, there must be a guarantor and mortgage;

4. Good credit information.

Second, the loan application materials:

1. Lender ID card;

2. The credit information of the lender in the past six months, and the credit information is good;

3. The bank card under the lender's name has been flowing for nearly half a year without interruption;

4. The lender's residence certificate (rental contract, real estate license, water and electricity invoices for the last three months);

5. Income certificate issued by the lender's work unit;

6. Social security, insurance policies and provident fund can also be loaned on a monthly basis.

If you want to borrow a higher amount, you can do mortgage loans, such as houses and cars.

Do credit cards and loans mean the same thing?

Credit cards and loans are not the same thing.

The differences between credit cards and loans are as follows:

1, the basic framework is different.

Credit card is a standard for handling specific accounting business under the guidance of basic standards. Its specific content can be divided into three categories: general enterprise standards, special industry and special enterprise standards, and financial reporting standards. General business standards regulate the recognition and measurement requirements of general economic business, such as inventory, fixed assets, intangible assets, employee compensation, income tax, etc.

Loan is the standard to deal with specific business accounting problems in special industries; Such as biological assets, financial assets transfer, hedging, original insurance contracts, consolidated accounting statements, etc. Small business accounting standards mainly regulate the general reporting standards of various enterprises; Such as financial statement presentation, cash flow statement, consolidated financial statement, interim financial report, segment report, etc.

The application guide strengthens the specific standards of enterprises from different angles and solves practical operations, including the interpretation of specific standards, accounting subjects and financial statements.

2. The promulgation background is different.

The introduction of credit card has greatly changed the content of the accounting system for small enterprises, and its formulation method draws lessons from the accounting standards for enterprises and has its own characteristics in accounting methods.

On the other hand, loans adopt measurement rules closer to the tax law, which greatly simplifies the coordination between accounting standards and tax law. In terms of influencing factors of profits and taxes, it has also made concrete improvements compared with the accounting standards for small enterprises.

3. Different customers

Credit cards are mainly suitable for personal and family daily consumption payment and transfer. Customers can complete real-time inquiry, transfer, online payment and remittance through personal online banking service. The appearance of personal online banking service indicates that the bank's business tentacles directly extend to the home PC desktop of individual customers, which is convenient to use and truly reflects the elegance of home banking.

Loans are mainly targeted at enterprises and government departments and other enterprises and institutions. Enterprises and institutions can know the financial operation of the enterprise in real time through the online banking service of the enterprise, allocate funds within the organization in time, easily handle large online payment and salary payment business, and handle the business related to letters of credit.