Credit cards are not considered online loans. A credit card is a debit card issued by a bank that provides the cardholder with a certain credit limit that can be used for purchases or cash withdrawals. Online loans usually refer to loan services provided through Internet platforms, involving lending activities through online channels. Although credit card loans and online loans are both personal consumption loans and are similar in some aspects, they are essentially different concepts. Credit card loans are usually separated from the credit card limit and have an independent limit. According to Article 7 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks": Credit cards refer to various media that record cardholder account information, have bank credit lines and overdraft functions, and provide cardholders with relevant banking services. Credit cards stipulated in my country's relevant laws ("Interpretations of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions that have all the functions of consumer payment, credit loans, transfer settlement, cash deposits and withdrawals, etc. Or an electronic payment card with partial functions. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.