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Are credit card consumption loans and cash loans combined and reported to the credit report?

Yes.

Consumer loans are used for daily consumption, while cash loans can be used to withdraw cash directly. Although the purposes are different, they need to be reported together.

A credit card is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. The form of a credit card is a card with the name of the issuing bank, validity period, number, cardholder name, etc. printed on the front. Consumers holding credit cards can go to special commercial departments or make purchases, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.