1. Different carriers

Credit card loans are based on the credit card platform to carry out credit card installment or cash advance business. The credit loan is a loan fund that is attached to the full trust of the borrower's qualification.

2. The loan amount is different

Many people's credit card amount is difficult to break through the 2, yuan mark. If they want to borrow money for travel, car purchase and decoration, it seems that they are somewhat stretched. In contrast, the credit loan amount is about 1 times of the individual's monthly income. As long as your monthly income exceeds 2, yuan, the credit loan amount can easily exceed the credit card.

3. The loan period is different

Generally speaking, credit cards are mainly short-term, and the longest period is only 24 periods, that is, two years, while credit loans have laid a long-distance running route, and the longest period can reach five years.

4. Different characteristics

Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when consuming, and repayment will be made on the Billing Date. The credit card has a relatively small amount and can only be used for consumption. If you withdraw cash, you will have to charge interest, and the repayment period is relatively short. Loans are relatively large in amount, long in life and relatively flexible.

References:

Baidu Encyclopedia-Credit Loan

Baidu Encyclopedia-Credit Card.