In daily life, people have more and more opportunities to contact online loans and credit cards, and some even hold multiple cards, and the situation of multi-head loans is becoming more and more serious. So, is a credit card loan an online loan?

Is credit card loan an online loan?

Is credit card loan an online loan? The question should be whether credit card consumption is a loan. Theoretically speaking, a credit card is a card issued by a bank or card issuer for the convenience of credit business, and is not a loan.

If it is a credit card, it must be a loan. This kind of loan belongs to personal guarantee loan in loan classification. Therefore, overdraft after consumption or payment by credit card belongs to loan.

One thing that must be said is that the records generated by credit cards are clearly recorded in the personal credit report. If your credit card record is bad and overdue, it will be very bad for your personal credit. It will directly affect our future credit reporting life. So please don't let your credit card expire.