1. Different forms. Credit card loans are overdraft forms, and loans can be formed as long as they are consumed within the limit; Housing and auto loans must go through certain procedures, and loans can only be formed if they meet the purpose of business.

2. The business types and uses are different. Credit cards are generally not restricted in use, which is reflected in overdraft consumption and short term; Housing can only be used for buying houses, and cars are consumer and have a long term.