Credit cards are more risky than bank loans. Basically, as long as your credit information is not too bad, you can apply for a credit card, and it is very convenient to use a credit card for credit card installment.

However, the examination of bank loans is strict, and it is very difficult to apply for loans, especially credit loans. Risk determines the pricing interest rate. High risk means high bad debt rate for banks, and higher interest rates are needed to cover risks.