I said that when I paid back my credit card, the other party took the initiative to transfer the money, which is not considered a loan. If you express to others the need for repayment without actively asking the other party, and the other party actively transfers the money into the account, without discussing the repayment conditions, interest rates, repayment period and other matters, this situation can be regarded as a gift. A loan contract is a contract in which the borrower borrows money from the lender and returns the loan and pays interest when due. Among them, the party who borrows money from the other party is called the borrower, and the party who lends money is called the lender. Depending on the lender, loan contracts can be divided into financial institution loan contracts and loan contracts between natural persons. Both are typical contracts for transferring property ownership.