1. Different carriers

Credit card loans rely on credit card platforms to carry out credit card installment or cash advance business. Credit loans, on the other hand, are loan funds issued based on full trust in the borrower's qualifications.

2. Different loan limits

It is difficult for many people to exceed the 20,000 yuan credit card limit. If they want to borrow money for travel, car purchase, or decoration, it seems to be a bit stretched. In contrast, the credit loan limit is usually around 10 times your monthly income. As long as your monthly income exceeds 2,000 yuan, the credit loan limit can easily exceed that of a credit card.

3. Loan periods are different

Generally speaking, credit card installments are mainly short-term, and the maximum period is only 24 periods, which is 2 years, while credit loans are laid out Running marathon-style long-distance running routes can last up to 5 years.

4. Different characteristics

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (Billing Date). Credit card limits are relatively small and can only be used for consumption. If you withdraw cash, you will be charged interest and the repayment period is relatively short. Loans have relatively large amounts, long terms, and relative flexibility.

Reference materials:

Baidu Encyclopedia-Credit Loan

Baidu Encyclopedia-Credit Card