It is impossible to judge whether the credit card interest is high or the loan interest is high. The daily interest rate of some loans is as low as 0.0/kloc-0.5% per day, such as borrowing money, while the daily interest rate of credit cards is 0.05%. In contrast, credit card interest rates are high. However, credit cards have an interest-free period. If there is no installment, there is no interest on full repayment. So which interest rate is higher depends on the borrower's situation.