1. The advantage of tying etc with a savings card is that you don't have to worry about forgetting to repay the loan, and you don't have to worry about affecting your personal credit. However, the disadvantage is that it needs to be deposited in an electronic account. If the amount is not enough, it will not pass the high speed.

2. The main advantage of tying etc with a credit card is that you don't need to save money in advance, but you can deduct the fee directly from the credit card. The disadvantage is that the owner needs to remember to repay the loan on time, and don't be overdue.