Electronic credit card (debit card) is not an online loan. Electronic credit card (debit card) refers to the credit card (debit card) launched by the bank with the Internet as the carrier, which belongs to a kind of bank credit card (debit card) business. Telecom credit card (debit card) and physical credit card (debit card) have similar functions, but they are slightly different in the form of credit card (debit card) and repayment method.

Electronic credit cards (debit cards) do not charge any interest for repayment before the monthly repayment date, and only users will charge corresponding interest if they are overdue. Online loans generally charge interest according to the time of borrowing. Therefore, electronic credit cards (debit cards) do not belong to online loans.