The interest rate of credit card loans is similar to that of banks. The use of credit card loans to repay credit card debts is mainly to avoid the inconvenience caused by overdue credit cards to cardholders, such as receiving reminders and telephone calls, resulting in personal bad credit records. On the other hand, if the credit card is overdue, no amount of money can make up for the loss it brings to the user. Therefore, cardholders should weigh the pros and cons and choose the most cost-effective way to make themselves more relaxed and have flawless credit.