if you borrow private loans, which has no effect on credit reporting, it is suggested to give priority to repaying credit cards in the era of consumption. Everyone will have several credit cards and bear several loans more or less. For office workers, if their income is stable, there will generally be no problems, but in case of poor capital turnover, repayment may be affected. So which is more serious, overdue loans or credit cards? Which one should I pay back first? First, the nature of the institution is simple. If the loans and credit cards are owed by banks, then both are very important. It is best to repay them in full, but not in full. State-owned banks are given priority, followed by financial institutions such as City Commercial Bank. Because the gold content of state-owned banks is relatively high, it is difficult to handle related business once they are overdue. If you borrow a private loan, it has no effect on the credit investigation, so it is recommended to give priority to repaying the credit card, because the ruin of the credit investigation will have a great impact on the future business. Second, the degree of credit card collection is different from that of online loan collection. If the credit card is overdue, the bank will inform you of the repayment by phone or SMS. If the collection is fruitless, it will choose a third party to collect help. The collection of online loans is relatively strong, especially for private loans, and some institutions will use various methods to collect them, such as insulting, intimidating family members, and exploding address books. Third, the amount owed, whether it is a loan or a credit card, is more serious. I suggest that if you have 5, yuan on hand, 3, yuan on the loan and 6, yuan on the credit card, it is best to give priority to paying off all the loans. The credit card can pay the minimum amount first, and then pay it off gradually when you have money. In short, if you have money to pay off one, you should pay off first, and don't let the last two overdue, which is not worth the loss.